Thursday, 31 December 2009

Credit building

A good credit history secures the widest possible choice of financial products and can also influence your employment prospects. The Independent ran a great article on credit building cards for those with little or no credit history, early in 2009. However, if you have been involved in some form of debt management, your approach needs to be different. Ensuring an accurate record is crucial – some debts can still be recorded after settlement or discharge and you may need to pay court fees for their removal. A former financial adviser, Piggy Bankrupt is one of the best sources for advice on credit repair (he states what his credit licences are for, too), although be warned, it's not always cheap.

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