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Answers to questions about debts and credit ratings - in plain English!

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I write about a  lot of Personal Finance that isn't directly about problem debts. Those articles are gathered here.

Spending - reducing or controlling it is usually essential if you want to reduce your debts. So Budgeting is another big topic.

Your grandparents used a pen and paper, but now we have Apps to make all this easier.

Mortgages - sometimes thought of as the only good sort of debt!

Credit ratings - important if you have too much debt or very little!

Can I get another car after VT or is part exchange better?

A reader asked: I want to terminate my PCP car finance. The car's fine, good condition, but we now need a bigger car. According to my contract I can hand it back. But I am going to need to get another car, so I am worried this will harm my good credit record. Would part exchange be better? Your right to end a PCP contract early Personal Contract Purchase (PCP) is the most common way to buy … [Read more...]

June 1, 2017 Author: Sara Williams Tagged With: cars, Credit ratings

What is the difference between “settled” and “satisfied” on a credit report?

A reader asked: My Credit Karma report shows some settled debts but one is shown as satisfied.  I am sure I paid them all off in full. Does it make a difference and should I ask for this to be changed?  … [Read more...]

December 8, 2016 Author: Sara Williams Tagged With: Credit ratings, Defaults

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