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Featured Card: Vanquis
- Typical APR: 39.9% APR (variable)
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Recent Financial News»
January chill for housing market
(source: BBC News, Mon, 08 Feb 2010 23:51:36 GMT)
Activity in the UK housing market was frozen by the snowy weather although prices continued to rise, surveyors say.
Shop sales 'worst for 15 years'
(source: BBC News, Mon, 08 Feb 2010 23:35:09 GMT)
UK retail sales described as 'awful' as the icy weather and the unsteady economy keep shoppers at home.
Olympic firms in £1bn loan pledge
(source: BBC News, Mon, 08 Feb 2010 18:56:01 GMT)
Lloyds Bank says it is earmarking a special fund to alert businesses around the country to Olympic-related opportunities.
Moneytip of the Day»
Establishing Credit
If you are new to using credit or a recent immigrant, take out a credit product in order to build your credit history. A credit history is extremely important to building wealth because it is necessary to have access to the financial mainstream. Scores are determined by 5 main categories:
more»
Question of the Day»
How are credit scores calculated?
Credit scores are determined using mathematical formulas that predict risk. The data used in the calculation of the formulas can be summarized as follows:
a. Payment History - Repayment behavior, including timeliness, the incidence and severity of delinquency, and the presence of charged-off accounts, plays the largest role in calculating a score.
b. Utilization of credit - This reflects the amount of credit outstanding (owed/used) relative to the total available credit.
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Term of the Day»
Capitalized Cost
The amount of money you finance in a lease. Also referred to as "cap cost." If you make a down payment in a leasing situation, it is often called a "cap cost reduction."
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