Debt

How Will An IVA Affect My Credit Rating

An IVA will stay on your credit report for six years from the date of commencement, which basically means that it will be there for one year after you have finished paying your installments. It is important that you understand all the inns and outs regarding an IVA.
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Settle Your Debts With A Debt Management Plan

If you feel like you are drowning in debts, then coming to suitable arrangements with creditors can help you immensely and you will be well on the way to settling your debts.
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The pros and cons of an IVA

When people have a significant amount of debt, it may be that they are offered the possibility of taking out an IVA (Individual Voluntary Arrangement) as an alternative to bankruptcy.
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Reasons to check your credit report

Your credit report is the window into your financial state and the thing that most financial institutions will need to review in order to make decisions regarding lending you money or giving you credit. It is for this reason that you need to know what is on your credit report.
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Should you remortgage your home?

Some people get tricked into remortgaging their homes, but it is not always necessary to do this. They get told that the interest rate could drop and that they should not be tied to a fixed rate. Here is some information that can help you decide if you should remortgage or not.
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Which is better for short term cash flow problems – an overdraft or a payday loan?

So, it is the end of the month and the bills are coming in, you need to get some groceries, the electric bill is due, and you are running out of petrol at an alarming rate.
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Tips to reduce your credit card debt

Many people in today’s society find themselves in credit card debt and have no idea how to get themselves out of it. Here are a few helpful tips on how you can fix this problem and go on to live a debt free life.
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