Soft and Hard Credit Checks – What’s the Difference?

I think that in this day and age, most people are familiar with the concept of a credit score. Whenever you borrow money or apply for any form of credit, you will need to be credit checked. That is, the lender takes a look at your credit score and credit history and uses these to make a decision as to whether they are happy to lend you the money or not.

How to Make a Credit Card Claim

If you are anything like me, you will use your credit card for pretty much any transaction you make. Personally, I do this because I earn Nectar points for every pound I spend on my Sainsburys credit card. My volume of transactions runs into the hundreds each month. With such a high number of transactions […]