Advantages email service
Disadvantages too many to mention
Credit Expert is an online information company that collects credit history from individual financial business lenders . Credit Expert is part of Experian they hold vital information regarding your credit worthiness, and that is your credit score.-www.creditexpert.co.uk-
I have written a review already about Experian and have touched on my experiences and findings. I have had some good feedbacks that was helpful. I appreciate the responses and have created an update for www.creditexpert.co.uk. Since being interested in how this powerful credit machine works it has been a big learning curve for me.-Credit Scoring-
This is what determines what kind of lendership you are able to have, that is mortgages, loans, and bank accounts, credit cards, mobile phone contracts, in fact any monetry valued based credit. The system is in place as to protect you and your spending habits. The initial credit scoring methods were to enable an individual payment capping method; all to protect the adult public from overspending. It is not the case today as now scoring is determined on a few more added agendas that not all individuals know about. A credit score lowers depending on the number of credit searches are done within a certain time. It can be a sorry state of affairs when an individual is doing a lot of financial housework at the same time... for example if your moving house or having just got married or just simply switching to different dealership accounts for better deals.What is unfair, is by having once a bad credit rating; you are labelled for 2 years as a bad creditor, regardless of change of financial circumstances. This is a mandatory time period that is subjected for everyone who has been labelled in this way. Many people do not know that they have been labelled. No notice of reason is sent via post, or communicated to you.
-Credit Rating-The credit rating is a number that is directly connected to you. In trying to understand how it is compiled no-one so far has explained it to me.
-Credit Expert online services-The online service has been well advertised on the net and also on Radio 4 this last weekend. In my last Experian review I did say that I was misinformed by an online advert.
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