Recent Articles

05 March 2010
'Online bankruptcy' plans widely condemned

You can now file for bankruptcy whilst checking you email or updating your Facebook status. The move to online filing will make the process cheaper, and more accessible, but is it a good thing? Read more...

05 March 2010
Fraud trends reveal what the average fraudster looks like

A new report from CIFAS reveals whether you're more likely to be targeted by fraudsters based on your age, gender, and what credit accounts you hold. Read more...

05 March 2010
How your latest eBay purchase could influence the junk mail you get

A new advertising agreement between Royal Mail and eBay means that you're likely to start seeing adverts based on what people in your area have been buying on the auction site recently. Read more...

18 February 2010
Is Chip & PIN security vulnerable to criminals?

A potential security flaw in Chip & PIN technology that could be exploited by criminals has been described as 'theoretical' by card issuers keen to play down the risk. Read more...

18 February 2010
Which way are repossessions and the housing market heading?

46,000 homes were repossessed in 2009 - the highest number since 1995, but is there brighter news once you dig past the gloomy headline? Read more...

18 February 2010
Unenforceable debt claims company under fire from BBC

Yet another company has had its knuckles rapped for misleading consumers about 'unenforceable debt' claims and potentially harming their credit ratings in the process. Read more...

08 February 2010
Don't let an 'Ex' ruin Valentines Day

It's already that time of year when our thoughts turn to relationships. But are you certain there's not an unwanted 'Ex' lurking on your credit file? Read more...

08 February 2010
Record numbers declared insolvent

The number of people forced to declare themselves insolvent hit a record high in 2009 as debt advisors struggle to keep up with demand. Read more...

08 February 2010
Is your street one of Britain's best?

To celebrate the ongoing roll-out of Google's Street View service in the UK, the search engine giant is going to rate Britain's best streets. Would yours stand a chance? Read more...

26 January 2010
Credit card write-offs increase dramatically

The amount of money that credit card providers wrote off as 'bad debt' increased dramatically in the third quarter of 2009, but are the figures skewed? Read more...

26 January 2010
Credit cards set for a major overhaul

An official industry response to the Governments review into credit card practices could be good news for consumers - but not for a while yet. Read more...

26 January 2010
Shoddy data companies face heavier punishment

Organisations that 'seriously breach' the Data Protection Act face fines of up to £500,000 as the Information Commissioner gets tough on sloppy data losses. Read more...

13 January 2010
Virgin Bank gets closer to reality

Richard Branson's ambitions to offer banking services moves closer to reality, but until he's up and running, other banks are plying for your business too. Read more...

13 January 2010
Peak 'Default Month' on the way

February usually is the 'peak delinquency' month for credit cards as many struggle with post Christmas bills. Read more...

13 January 2010
Better regulation for debt management companies on the way.

Both the OFT and the Ministry of Justice are looking at how debt management companies sell and operate. But a Debt Management Plan is not always right for everyone. Read more...

21 December 2009
Are house prices in your area really rising?

The latest figures on house prices would have us believe that prices are heading back to pre-recession levels. But when you look at the facts behind the figures, there's a long way to go yet. Read more...

21 December 2009
Why you can't afford to ignore the new Facebook privacy settings.

The new Facebook 'privacy' settings could mean that your personal details are exposed to people randomly searching Google. Have you protected yourself? Read more...

18 December 2009
Ten light-hearted things to do whilst waiting for Christmas to arrive...

It's almost time to kick back and relax. Whilst you're waiting for the big day though, here's our top ten guide on things to pass the time, including the classic Elf Yourself. Read more...

08 December 2009
Can you really avoid a fee when booking a flight?

The news that Ryanair is to stop accepting payment by Visa Electron means that nearly all cards now carry a fee for booking. But there is a way of avoiding these charges altogether. Read more...

08 December 2009
Don't let a lost mobile cost you your identity.

The hectic festive season will see thousands of people lost their mobile phones, but could an identity thief make it even more of a painful experience? Read more...

08 December 2009
Which version of the Electoral Roll are you on?

The 3 credit reference agencies are updating credit files to reflect the 2010 version of the electoral roll. Have you been included? Read more...

07 December 2009
Do you know who your neighbours are?

According to a recent study, most young people in Britain don't know the names of their next door neighbours. You can find out their average credit rating, though. Read more...

24 November 2009
Volunteers needed

Consumer champion Which? needs volunteers to help with an investigation into whether consumers actually get the rates on offer from credit cards providers. Can you help? Read more...

24 November 2009
Could credit card borrowing get even tougher?

The number of consumers defaulting on their credit card repayments is predicted to soar in the next year, and it's predicted that getting a new card will become tougher than ever. Read more...

24 November 2009
Ministry of Justice clamps down on dodgy claims firms

As a further batch of test cases are set to determine the outcome of thousands of claims, the Ministry of Justice reveals that 1 in 4 claims companies are breaching guidelines. Read more...

02 November 2009
Call centre threat to personal details

UK call centres are making it easier for fraudsters to obtain credit card details - including security numbers, by failing to follow guidelines on how call recordings should be stored Read more...

02 November 2009
Top 20 car theft hotspots revealed

Another report emerges, highlighting how much your postcode affects how much you have to pay for things. How is yours rated? Read more...

02 November 2009
Bank fights back over Payment Protection Insurance

The Competition Appeal Tribunal has ruled that the ban on selling payment protection insurance alongside loans needs more supporting evidence before it can be passed. Read more...

07 October 2009
Clever phone scam to wheedle out your 'security code'

Now we all use 'security codes' on our credit cards, fraudsters have now imported from the US a new way of getting round the problem. Read more...

07 October 2009
£8,000 credit card debt declared 'void' by court

Just because the card company sold Payment Protection Insurance incorrectly according to some newspapers? Read more...

07 October 2009
Bankruptcy Tourism

A charity has warned that Europeans are planning a visit to Britain to file for bankruptcy, to take advantage of our 'relaxed' bankruptcy laws. Read more...

25 September 2009
Identity fraud hotspots surge

We've seen a huge surge in the number of postcodes that are currently being hit by identity fraudsters, particularly in the Greater London area. Read more...

25 September 2009
Government inquiry into "shopping around for credit"

It's claimed that many lenders leave a full 'credit application' search on your credit file even when you're just shopping around, damaging your credit. Read more...

25 September 2009
HSBC staff to carry personal attack alarms

The credit crunch has left bank staff feeling so vulnerable to attack by dissatisfied customers that personal attack alarms have been routinely issued. Read more...

21 September 2009
Better regulation on the way for debt management firms?

The government has launched a consultation to assess whether debt management firms need stronger regulation in a battle to beat dodgy practices. Read more...

18 September 2009
Why having a second cardholder on your credit card account is not a good idea

It's a little known fact, but if you are an additional card holder on a credit card, you don't get the same level of purchase protection as the primary card holder. Read more...

18 September 2009
Better overseas protection, but likely to be at a price

A new EU directive aimed at helping consumers who were overcharged on holiday will be introduced soon, but is it likely to work, or will it simply mean costs are passed on? Read more...

14 September 2009
Mixed messages on personal debt

Levels of personal debt in the UK fell for the first time since records began in July, but requests for debt help continue to increase. What do the figures mean? Read more...

14 September 2009
Monopoly - but not as you know it

The latest online version of the classic game puts a value on almost every street that's listed on Google Maps. How does your postcode rate in the real world though? Read more...

14 September 2009
Identity thieves start to target mobile phones

Instances of identity fraudsters taking over mobile phone accounts are increasing, with poor password security not helping in the fight. Is your own password up to scratch? Read more...

28 August 2009
Time for consumers to vote with their feet

American Express card holders could be hit with a 4% interest rate increase just for missing a single payment on their cards. Would you stand for that, or take your business elsewhere? Read more...

28 August 2009
Best places in Britain?

A recent YouGov survey has put Edinburgh at the top of the 'most desirable places to live in the UK'. Get a more in-depth, free assessment of how your own local area rates. Read more...

27 August 2009
Why it's good to have a credit card in reserve

If you're one of the hundreds of thousands of Monument credit card customers to have their account closed, have you just lost out on an extra level of purchase protection? Read more...

19 August 2009
Finances behaving badly?

Actor Neil Morrissey has chosen to repay his creditors through an IVA rather than opt for bankruptcy. But will that save him from losing his home? Read more...

19 August 2009
Repossession figures don't paint the full picture.

Statistics showing that the number of repossessions in the UK fell in the second quarter of this year could be glossing over the problem. Find out why the worst is unlikely to be over. Read more...

19 August 2009
Are smartphones the next target for ID thieves?

Desire for gadgets such the iPhone is increasing despite the recession, but could they make you a prime target for identity thieves? Read more...

10 August 2009
Which way are house prices heading?

Although average house prices in the UK are creeping back up, there are still big differences when it comes to property type and location. How are prices in your local area looking? Read more...

10 August 2009
Have your credit card habits changed?

Credit card issuers are starting to take much more notice about how customers use their cards - both in terms of spending and repayments. What do your habits say about you? Read more...

10 August 2009
Identity theft just keeps on growing.

Official figures from the first 6 months of 2009 show that cases of identity theft - both successful and foiled - continued to soar. Are you protected? Read more...

27 July 2009
Charity Credit Cards

Charity credit cards are a great way of helping to make a difference, without having to dip directly into your own pocket. Here are some of the leading cards, showing what's on offer for both yourself and your chosen charity. Read more...

24 July 2009
Identity Fraud latest news

Criminals increasingly are attempting to exploit innocent consumers with cloned cars - find how to protect yourself - and read how HSBC has been fined £3m+ for sloppy data practices. Read more...

24 July 2009
We are all getting older.

A statement of the obvious but with 'over-65's' set to outnumber children in the UK for the first time in the next 10 years, there are consequences to our increasingly ageing population. Read more...

24 July 2009
Can you go to prison over debt?

We reveal the answer to this question and more in our list of 10 things your might not know about our credit laws, which not a lot of people seem to know about. Read more...

15 July 2009
Credit searches can damage your credit report - True or False?

Don't believe the hype when it comes to shopping around for credit. We lift the lid on one of the biggest misconceptions about credit searches and how they affect your score. Read more...

15 July 2009
Don't let mortgage application fraud damage your credit file

Levels of mortgage application fraud are increasing as consumers try to get around tough lending criteria. Find out how bending the truth could do more harm than good. Read more...

15 July 2009
Credit card cheques - friend or foe?

The latest Government attack on credit card cheques is somewhat unfounded. Find out why when used properly, they can be a safe and convenient way of borrowing. Read more...

07 July 2009
Could Google start credit scoring you?

Google is carrying out trials in the USA, where it is attempting to use credit scores to determine which adverts consumers see when using the search engine. Could the same thing come to the UK? Read more...

01 July 2009
Don't be tempted by dodgy debt claims

The latest tactic by dodgy debt management firms could see you left out of pocket, and with a tarnished credit file. Find out why you shouldn't even be tempted. Read more...

01 July 2009
Who's seen your signature?

In the latest breach of consumer personal data, ParcelForce accidently display customer signatures on its website. As ID theft continues to rise, what can you do to stay safe? Read more...

01 July 2009
Why you shouldn't only pay the minimum

Barclaycard has become the latest card issuer to cut their minimum monthly payment amount. Find out how other lenders will know if you do only pay the minimum though. Read more...

17 June 2009
Debt advice firms in trouble again

Companies making exaggerated claims about wiping out debts take another hammering, whilst cold-calling debt firms are also told to stop what they're doing. Read more...

17 June 2009
Could debts be wiped out sooner?

The length of time that companies have to take court action over debts could be cut in half, and credit files could shrink in size as a result. Read more...

17 June 2009
Is your mobile number for sale?

A new database that allows people to look up mobile numbers of people they don't know has been heavily criticised. Is your number on the list? Read more...

05 June 2009
Virgin to become a high street bank?

Virgin plans to challenge the grip that the big lenders have on the banking market by offering day-to-day banking services to consumers. Read more...

04 June 2009
UK lags behind in data protection

The UK is in danger of being left behind when it comes to protecting the personal data of its individuals and reacting when breaches do happen. Read more...

04 June 2009
Credit complaints soar

Increased public awareness of the mis-selling of Payment Protection Insurance (PPI) selling alongside general dissatisfaction with lenders has seen a record number of people take their complaints to the Financial Ombudsman Service (FOS). Read more...

02 June 2009
Buy-now-pay-later grows in popularity, as secured lending dies

The number of people opting to take out 'buy now pay later' deals in shops has seen a big increase in the past year, as consumers look to take advantage of more readily-available lines of credit to improve their homes. Read more...

18 May 2009
Landlords to be registered on central database

Tenants are set to get better protection from rogue landlords and letting agents, as well as extra help when rented properties are repossessed. Read more...

15 May 2009
'Unenforceable debts' claims set to be thrown out

Firms who promise to wipe consumer debts based on 'unenforceable' credit agreements could be stopped in their tracks after a County Court ruling. Read more...

15 May 2009
Visa roll out new credit card to beat the fraudsters

A new credit card that incorporates a keypad and digital display within the card has been developed and is now in final testing. Could it stop card fraud in its tracks? Read more...

11 May 2009
Make sure you stay protected if you're not taking the scrappage incentive

Even before it begins, the Government's plan to revive the new car market has been slammed. But what are the potential dangers of leasing or buying a used car instead? Read more...

11 May 2009
Consumer purchase protection rights upheld.

The protection that comes with using a credit card to pay for goods or services has certainly been evident this year. Now the OFT has backed up our rights when using cards overseas. Read more...

01 May 2009
Credit card companies defended by industry body

APACS, the UK's payment association has leapt to the defence of the credit card industry following criticism in a recent Which? report. Is either of them in the right? Read more...

01 May 2009
2009 Rich List gets the credit crunch treatment.

This year's Sunday Times Rich List shows that even the super-rich aren't immune to the credit crunch. Will our leading celebrities be forced to downgrade their lifestyles? Read more...

01 May 2009
Data losses just keep on coming in April.

Despite the Government being criticised last month by the European Commission for failing to protect our data, the losses just keep on coming. Has your data been compromised? Read more...

21 April 2009
Your internet history on view

The Government is in trouble after allowing companies to collect and use info on consumers' internet browsing habits, as well as failing to safeguard against more data losses. Read more...

21 April 2009
Egg piles on changes to terms and overall customer satisfaction drops

Egg's risks annoying its customers once again, as our latest survey reveals that overall customer satisfaction with credit card providers seems to be in decline. Read more...

21 April 2009
Young adults staying 'in the nest'

As more 20-34 year-olds choose to live in the family home because of the recession, the demographic of UK postcodes is changing. Could it end up costing you money? Read more...

21 April 2009
Negative Equity - is it overhyped?

With 900,000 UK homes having fallen into negative equity, how does the picture compare the recession of the 1990's? Is it less dramatic? Read more...

09 April 2009
The checkmyfile price guarantee

We're so confident about how low our prices are that we've now launched a Price Guarantee. Read more...

09 April 2009
Lenders may be forced to open up

Credit card and loan providers are set to be asked to be more transparent about the way they calculate the interest rates they charge consumers, as part of an Office of Fair Trading (OFT) review of their practices. Read more...

08 April 2009
Ten things you probably didn't know about...BLACKLISTS

Ten things you probably didn't know about….. BLACKLISTS Read more...

08 April 2009
Debt problems - extra help for consumers

Debt problems are far more commonplace than most people think. It is rare to see a credit report with absolutely no late payments recorded over the past six years and one in six credit reports contains a default. Read more...

03 April 2009
Tesco Bank plc - every little helps

Tesco is now looking for your banking business. Read more...

03 April 2009
Big Lunch - like the Royal Wedding - but with no excuse

The Big Lunch is a new campaign supported by credit card provider MasterCard aimed at bringing neighbourhoods closer together. Read more...

03 April 2009
Borrowing falls, house prices increase slightly

Borrowing has fallen for the first time in 16 years. At long last we've collectively managed to make a dent in our debts as repayments exceed new borrowings. At the same time, lenders are making more encouraging noises about their willingness to open up more lending to consumers. Read more...

26 March 2009
New FICO credit score launched

A new mortgage credit scoring product is being launched in the US, following criticism over the role that scorecards played in the sub-prime crisis. What's the situation in the UK though? Read more...

26 March 2009
Are lenders about to turn on the tap?

Bank lending is reported to have increased, reaching the highest levels for close to a year. Is the end of the recession still a long way off, or are these the first shoots of recovery? Read more...

26 March 2009
Your data is becoming less transparent

The amount of information that you are prevented from seeing in detail - even when it affects you - is increasing. What data is restricted and why? Read more...

25 March 2009
The government and personal data - should we be worried?

A new Government proposal could see your activity on social networking sites recorded. Given their track record of keeping personal data safe, is this really a good idea? Read more...

19 March 2009
Saga cardholders not all loving their credit cards

A change in policy by over 50's specialist Saga means that thousands of customers could have their credit cards withdrawn. What is the best replacement if you're affected? Read more...

19 March 2009
Debt problems affecting the affluent

The CCCS has reported a dramatic increase in the number of people on higher incomes seeking help with their debts. Find out what has caused the trend to change. Read more...

19 March 2009
1 in 7 to switch bank accounts away from RBS

Controversy over the banking crisis and Sir Fred Goodwin's pension in particular, could see huge numbers of customers moving their current accounts away from RBS. But anyone who does decide to switch could earn themselves £100 Read more...

19 March 2009
Facing Redundancy? - know your rights

It seems that we all know someone who is faced with losing their job, or has done already. We highlight how redundancy works, and what to do if you fear the worst. Read more...

12 March 2009
Secret Database Uncovered

An unlawful database of construction workers' personal details - that has been used by some of the UK's biggest firms - has been busted. But what are employers allowed to see? Read more...

12 March 2009
Credit card defaults increasing

The number of people defaulting on their credit card debt is set to reach new levels, as the recession bites hard. How can you avoid falling into the same trap? Read more...

12 March 2009
Fight back against card limit cuts

With credit card issuers continuing to slash customers' limits at will, what should you do if your own spending power is cut? We highlight how you can fight back. Read more...

12 March 2009
Why aren't you switching?

Our latest survey has found that too many people are paying too much for their existing credit card - simply because they can't be bothered to switch. But just a few minutes of you time could see you make huge savings. Read more...

05 March 2009
What your mobile says about you

The ever increasing role that mobile phones play in our lives means that they now contain more personal information about us than ever before - a potential goldmine for an identity fraudster. Find out how to stay protected. Read more...

05 March 2009
Bank charges ruling - what does it mean?

The Court of Appeal has ruled in favour of the Office of Fair Trading in the bank charges case. Whilst it's far from the end of the matter, a fresh surge of claims are likely to pour in. Read more...

05 March 2009
Government goes fishing for Loan Sharks

The Government has launched a new consumer helpline aimed at stemming the use of unlicensed lenders. But will people dare to use it, and what other help is on offer? Read more...

05 March 2009
Nationwide starts charging for overseas purchases

Nationwide Building Society is to charge credit and debit card customers for making purchases or using cashpoints overseas. Is there an alternative? Read more...

26 February 2009
A new way out for the over-borrowed

A new system for helping consumers deal with unmanageable debt is set to be rolled out in April. Find out who they are aimed at, and what they can do. Read more...

26 February 2009
Identity fraudsters up the ante

Gmail users, celebrity Twitter accounts and Jack Straw all fell victim to hackers in February. As criminals get more aggressive in their activity, are you protected against them? Read more...

26 February 2009
Could a change of name harm you?

The introduction of online deed polls has made changing your name quicker and easier than ever. But your credit rating will take a beating if you don't pay attention to detail. Read more...

26 February 2009
Could you cope with a credit limit cut?

Egg, Halifax and Nationwide are just a few of the credit card providers to have cut customers credit limits recently. Find out why it makes sense to have a back-up funding source. Read more...

19 February 2009
Banking and Credit Card Survey 2009

So say 47.6% of respondents to our annual survey so far. Read more early results and add your feedback to tell us what you think. Read more...

19 February 2009
Employment related credit checks on the up

A clean credit file is essential for anyone looking to work in the financial sector or in a job that involves handling money, but what data are they actually allowed to look at? Read more...

19 February 2009
Misleading debt advice firms under fire

The Department of Justice, Office of Fair Trading and Citizens Advice Bureau combine to tackle dodgy debt advice adverts, with threats of fines, closure and criminal proceedings. Read more...

12 February 2009
Barack Obama iPhone application rejected

Not something you read every day. Find out whether the worlds most powerful man is in the same boat as millions of ordinary consumers. Read more...

12 February 2009
Google knows where you are

Google's latest invention lets you track friends and family using your mobile phone. Is it really just a useful tool, or are privacy rights campaigners right to be worried? Read more...

12 February 2009
Egg taking a beating yet again

Troubled credit card issuer Egg has riled customers once again by increasing interest rates by up to 5%. Have you been affected and how can you react? Read more...

04 February 2009
£850 million up for grabs - is any of it yours?

A website set up to reunite forgotten bank and savings accounts with their rightful owners has seen 250,000 people apply, but says there is still a fortune waiting to be claimed. Read more...

04 February 2009
Are you becoming a nester?

Apparently the recession increasingly is turning us into a nation of 'nesters'. Find out what this means and how it's helping to create new jobs. Read more...

02 February 2009
No-credit-check bank accounts on offer

Customers with a poor credit history have traditionally missed out on the benefits of a normal bank account, but a new company aims to help put matters right. Read more...

21 January 2009
Volunteers required by the BBC

The BBC's The One Show is looking for people who can't get credit, or who have had a problem with their credit report and have cleared it up. Read more...

21 January 2009
Drive the cost of estate agent fees down

House prices reached their lowest level for over two years recently, as the property slump continued. Here is a way to reduce the costs if you are selling. Read more...

20 January 2009
Dealing with debt collectors

With increasing numbers of lenders and utilities using debt collectors more quickly than before, here's some timely advice on how to handle them. Read more...

08 January 2009
How the splits could really hurt you

This month is set to be one of the busiest on record for divorce lawyers as New Year stresses kick in. How damaging could an ex partner be to your credit rating though? Read more...

08 January 2009
Your gift vouchers may end up not worth the paper they are printed on

The collapse of Woolworths, Zavvi, The Pier and Adams could well mean that gift vouchers are worthless. Act quickly now. Read more...

08 January 2009
Banks toughen up on overseas fraud

The battle against identity theft could leave you red-faced unless you make sure you remember to tell your bank that you're jetting off. Read more...

22 December 2008
More opt out from Electoral Roll

Not good news for direct marketing firms as consumers become increasingly aware of the threat of identity fraud and take the first step to protect themselves. Read more...

22 December 2008
Online cheque clearing time checker

Need to know how long it takes for a cheque paid in to your bank account to start earning interest, or when you can withdraw money out against it? Read more...

22 December 2008
Consumer debt rising by £1m every 9 minutes

…and other very scary statistics from the money education charity, Consumer Action. Where to get advice do if you're suffering debt problems of any sort. Read more...

19 December 2008
Websites to entertain you this Christmas

See how many you already know from our list of entertaining websites. Read more...

08 December 2008
Mandelson barking up the wrong tree

The Government is calling for credit card issuers to reduce the APR they charge consumers. Find out why this very short-sighted and unlikely to work. Read more...

08 December 2008
First major failure in UK subprime market

London Scottish Bank has gone into administration, affecting both savers and sub-prime borrowers. The Government has said it will fully protect the 10,000 savers. Read more...

08 December 2008
Stuck for Christmas gift ideas?

We're all set to tighten our belts this Christmas, spending an estimated £300 million less than last year. We make a couple of suggestions for presents that won't break the bank. Read more...

19 November 2008
Credit card companies to visit number 10

Some of the UK's biggest credit card companies are set to visit the PM at Downing Street, as he seeks to encourage them to lend more responsibly. What might the outcome be? Read more...

19 November 2008
CIFAS is 20 years old and counting

The organisation charged with tackling fraud in the UK is 20 this year. Are you doing all you should to help stay protected against fraud and identity theft? Read more...

05 November 2008
Card companies change minimum payment rules

Some of the UK's major credit card providers have changed their minimum repayment structures. Could it end up costing you more? Read more...

04 November 2008
Is your loyalty costing you dear?

Far too many people are sticking with their current credit card for no good reason. Find out why November might be the perfect month to dump it for a better deal. Read more...

04 November 2008
Have your personal details been compromised in October?

October was a very, very bad month for data breaches. Check our list to see if anyone has been reckless with your personal details. Read more...

22 October 2008
The mysterious goings-on behind DarkMarket

A website allegedly used by criminals to sell bank and credit card details has been shut down - but was it actually run by the police? You really couldn't make this up. Read more...

22 October 2008
Cheap credit card deals still available

The banks may be a bit reluctant to lend to each other, but credit card companies are still competing hard for your business. Switch now and save. Read more...

22 October 2008
Are you overestimating your credit rating?

Our survey reveals that the majority of people overestimate how good their credit rating is, increasing their chances of being rejected for credit. Read more...

01 October 2008
10 practical tips to help prepare yourself for the credit crunch

Our easy-to-read list of ten practical tips should help answer most of the concerns that we hear about from checkmyfile customers. Read more...

01 October 2008
'Card Not Present' Fraud Losses now tackled

The number of us signing up to 'Verified by Visa' and 'Secure MasterCard' has rocketed as card issuers become more proactive against online fraud. Have you signed up yet? Read more...

01 October 2008
Don't let Facebook blow your job hopes

The amount of information a potential employer can us is on the increase. Could those embarrassing photo's on Facebook hurt your chances of getting the job? Read more...

01 October 2008
House prices are nearly 5% less than they were a year ago

Average house prices in the UK fell by record levels in both August and the last 12 months as the property decline gathered speed. How did your area fare? Read more...

10 September 2008
Data breach cover-ups

Prisoners, prison officers, seasonal workers -all have had their personal details 'lost' over the last month. It's now down to us, as individuals, to protect ourselves. Read more...

10 September 2008
Student Loans to show on credit files

The SLC's new Repayment Portal is now online. But controversially, older borrowers face the prospect of having their payment history reported on credit files. Read more...

10 September 2008
As consumers spend less, how could you save money?

The latest batch of statistics indicate that we are all tightening our belts in a bid to beat the increased cost of living. Amongst all the gloom, enticing credit card deals still keep coming. Read more...

10 September 2008
Is the end of plastic a reality?

You've seen the combined Oyster card, credit card and OneTouch card, but Barclaycard thinks you could soon pay with your key fob instead. Read more...

28 August 2008
IF only to take new savings accounts

IF won't be offering products to new customers as it streamlines its business. If you're an IF customer, should you consider switching to someone else? Read more...

28 August 2008
Cash machine rigging by-passes benefits of Chip & PIN

A recent spate of Chip & PIN machines being rigged by criminals has highlighted a new area of risk. Read more...

28 August 2008
Use online gambling sites? Why you could still lose money on a winning bet

Discrete changes to the small print could mean that using a credit card to gamble online could cost you money - even if your bet comes in. Read more...

08 August 2008
UK consumers very vulnerable to id theft

11 people are charged with stealing millions of credit card details from TK Maxx, but experts warn that retailers in the UK are vulnerable to futher attacks. Read more...

08 August 2008
Thousands lose money because of lack of card protection

The collapse this month of wedding gift list firm Wrap-it saw thousands of people lose their money with little chance of a refund. Find out how it could have been a different story. Read more...

08 August 2008
Are biometric passports all they are cracked up to be?

The news that the new 'fakeproof' biometric passports can be easily cloned, following the theft of 3000 blank passports earlier this month raises fears of identity theft. Are you safe? Read more...

16 July 2008
The lottery that is your postcode

Where you live could have more of an impact on you than you think. From NHS care to insurance premiums and the risk of identity theft, find out how your postcode labels you. Read more...

16 July 2008
How does your credit card balance compare with the USA's presidential hopeful?

We might all have racked up a little more on our credit cards recently as the cost of living continues to spiral. Find out if you are more credit savvy than US presidential candidate John McCain. Read more...

16 July 2008
Can your bank hold you responsible if your account is emptied by fraudsters?

A Banking Code change could see banks trying to hold customers responsible for online fraud if the customer's anti-virus software isn't up to scratch. Have the banks got a leg to stand on? Read more...

24 June 2008
Some things you don't read in the papers about the credit crunch

The credit crunch is providing easy pickings for headline writers, but they still seem to be missing some important points. We highlight six things that could help you through the current turmoil. Read more...

18 June 2008
Keep an eye on your ex

Has your ex gone up in the world or is he down in the dumps? Read more...

17 June 2008
Afford Prada not Primark...

Like any shopping trip, preparation and knowledge is the key, so find out where you stand credit-wise before you set out. Read more...

17 June 2008
Fashion conscience?

Eco fashion labels and hemp bags are all the rage right now. But is it possible to bank as ethically as you shop? Read more...

17 June 2008
Wish you were here?

You could be for free if you use the right card. Find out the credit cards that offer free airmiles, cashback or interest free deals. Read more...

17 June 2008
Are you a horoscope junkie?

Are you driven by destiny? 10 reasons why you should check your credit report before your horoscope. Read more...

17 June 2008
Make sure you don't lose more than your wellies….

Get tips on how to stay cool and safe at this year's festivals. Read more...

17 June 2008
Scored Recently?

Credit in the summer is the same as credit in the winter, and sadly, debt will be there even when the sun is not. Get your free credit score. Read more...

17 June 2008
Fact - men really are risky

It's a little known fact that girls are better at managing credit than men. But what makes that the case? Read more...

17 June 2008
Horoscopes

What will this month bring for you? Read more...

20 May 2008
Don't get too wound up by mortgage debt headlines

Repossession orders in England and Wales rose by 9% to 27,530 in the first quarter of 2008 - the highest level since 1991. Things might not be as bad as the headlines suggest though. Read more...

15 May 2008
How to avoid embarrassment at the till this coming Spring Bank Holiday

With the double bank holiday bonus this month, many people take advantage of the sales to pick up a bargain. However, the continuing credit crunch could leave you red-faced at the till if you opt for a 'buy now pay later' deal. Find out why. Read more...

15 May 2008
Barclaycard risks the wrath of Scottish customers

Barclaycard has announced that it plans to close a credit card call centre in Cumbernauld, Scotland, with the loss of 900 jobs - after announcing profits of over £500 million last year. Read more...

07 April 2008
Yet more personal data goes missing

A disc containing insurance details of 370,000 HSBC customers has gone missing - just the latest in a long line of similar mishaps. Read more...

03 April 2008
New banking code comes into play

A revised edition of The Banking Code has come into force, aimed at making Britain's lenders treat its customers more fairly and encouraging more responsible lending. Will the changes have the desired effect though? Read more...

03 April 2008
Thinking of moving house this Spring?

Spring is officially here at last and is traditionally the most popular time of year to move house. We highlight a couple of things you should be aware of if you are planning to move home. Read more...

03 April 2008
Was it an unhappy Easter for Egg boss?

Easter is over and done with for another year - and so is the reign of Egg boss Ian Kerr who has quit the online bank after only a year in charge. Find out why. Read more...

18 February 2008
Are you still paying for your last break-up?

Are you sure that you're all alone on your credit file? Now is a good time to double check if a current - or worse still, former - partner are financially associated to you on your credit file. Read more...

18 February 2008
Base rate cuts might not mean lower repayments

The recent 0.25% cut in the base rate of interest will be welcomed by many borrowers, who will enjoy lower mortgage repayments as a result. However, those on a Standard Variable Rate might not be so lucky. Read more...

18 February 2008
UK mortgage market looking stronger than the USA

Latest figures show that the UK mortgage market is in a much stronger position than in the US, where the sub-prime crisis has continued to escalate. Sub-prime mortgages make up only 6% of the total market here, compared to 20% across the Atlantic. Read more...

15 January 2008
Is the Electoral Roll information on your credit file correct and up to date?

Check that your credit file has been updated with the latest version and that your address is listed correctly. See what impact incorrect Electoral Roll information can have on you. Read more...

15 January 2008
Fears increase over bankruptcy levels

Increased Christmas spending has prompted fears of record levels of bankruptcy in 2008. One in four people are predicted to have debt problems following the festive season. Read more...

15 January 2008
Lenders set to tighten their belts further

Many lenders have tightened their lending criteria, increased the 'cut-off' rates on their credit scorecards. Read more...

09 November 2007
Payment Protection Insurance under the microscope again

A decision on the way that Payment Protection Insurance should be sold with financial products is likely to take until May 2008. Read more...

09 November 2007
More protection for borrowers.

Changes in the law in 2008 will offer extra protection to borrowers and reduce the penalties for paying back loans early. Read more...

09 November 2007
High Court victory for consumers

The House of Lords has dismissed the latest attempt by lenders to reduce the level of protection offered to consumers shopping abroad. Read more...

10 October 2007
How are house prices moving in your area?

The latest house price statistics seem to support evidence that growth is slowing, and prices may even begin to fall soon. Find out more. Read more...

10 October 2007
Credit card companies battle to reduce levels of consumer protection overseas

The level of protection you get when purchasing goods or services may be under threat, following a legal challenge by lenders. Read more...

10 October 2007
Identity fraud week fails to spark media interest

The third annual National Identity Fraud Prevention Week may have passed you by. Find out about the latest government plans. Read more...

03 September 2007
Don't get left off the Electoral Roll

This years Electoral Registration forms will drop onto your doormat very soon. Find out why it's so important to be properly listed. Read more...

03 September 2007
Sounds silly - but start getting ready for Christmas...

The festive period might seem a mile off, but discover why you should think about getting your Christmas spending power ready sooner, rather than later. Read more...

03 September 2007
Interest rate increases hit mortgage borrowing

The level of re-mortgaging, fuelled by people trying to get a better deal before rates get any higher. Find out more. Read more...

02 August 2007
Are you making it easy for criminals?

An estimated 2.4 million consumers keep their PIN code written down alongside their credit card. Sounds obvious, but find out how to keep it safe. Read more...

02 August 2007
Paying late could cost you more than a £12 charge.

There are far more serious implications of missing your monthly credit card or phone payments than the £12 stealth charge, as many customers have found out. Read more...

02 August 2007
Identity thieves target Myspace and Facebook.

Social networking websites Myspace and Facebook have recently been highlighted as target sites for identity thieves. But there are far more risky sites you could visit. Read more...

20 June 2007
Could Child Support Liability Orders set to be added to credit files?

A new proposal by the Government to give the CSA more powers could see non-paying parents pay the price with their credit rating. Read more...

20 June 2007
Credit agreements set to go all Continental

Following in the footsteps of the Euro, we'll soon be able to compare the cost of credit across Europe. How will UK lenders compare? Read more...

20 June 2007
Going abroad this summer? Don't get stung on credit card charges

Using your credit card on holiday offers convenience, but are you getting a raw deal from overseas charges? Don't pay more than you need to. Read more...

22 May 2007
Barclaycard proposes monthly fee for low card usage

Credit card company profits dip through lower penalty charges so now Barclaycard and others find new ways for you to pay. Read more...

22 May 2007
Tempted by those adverts offering to clear most of your debts?

Fools rush in. Try our new Debt Advice Centre to find out what choices you really have, and learn what's not often said in the adverts. Read more...

22 May 2007
Don't let the government drive a coach and horses though data laws

Up until now, your bank account was considered private unless you gave your consent for it to be added to credit agency files. Read more...

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