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A loan can help to get you out of difficult situations, but can also land you back in financial trouble if your repayments aren't affordable and you struggle to repay what you owe. Although many lenders will perform their own affordability assessments, it is paramount that you also know your loan is affordable before agreeing to the repayments. Working out your budget is essential so you know you won't be straining to make ends meet each month. If you have little to no funds at the end of each...

Firstly, what is a credit score? A credit score is how companies view you when applying for credit with them. They want to assess your reliability and creditworthiness. It can be quite tricky to define a single ‘good credit score’. This is because there are 3 leading Credit Reference Agencies, all of whom will score you differently. These companies are: Experian- score out of 999 Equifax- score out of 700 Transunion (formerly Callcredit)- score out of 710 In addition to the differing ways of...