Robertson Jones Wealth Management Ltd
We care and have the patience to explain and explain again without jargon.
Guy Jones BSc Eng. Dip. PFS We help you with:
6 years, applications for 1 year. So if you can wait until they’ve lapsed to apply, it should boost your score.
5) Never miss or be late on repayments. Small errors can hurt large. Set up a direct debit to be sure you never miss. Do this even if just for the minimum repayment, then you can call up and pay more on top each month, see it as an insurance policy.
6) Don’t let ‘paid-for credit scores’ overly worry you. In recent years credit reference agencies have started to flog these, but don’t take too much notice. They’re only based on your credit file, not the other info lenders look at, and remember each lender scores differently. One may see cancelling a credit card as good as it reduces available credit, another as bad as it’s closing down a long term relationship.
7) Payday loans can kill mortgage applications. Some mortgage underwriters simply won’t lend to anyone with payday loans.
8) Deal with unfair defaults. First go to the firm that put them there and ask it to remove them. If not ask for a ‘notice of correction’ to be added to your credit file where you can explain briefly why it’s unfair and appeal to the Financial Ombudsman.
9) Check for address errors. An old, active, but unused mobile phone registered to your old address could even cause a mortgage rejection.
10) Don’t withdraw cash on credit cards. This is both expensive and seen as evidence of poor money management - avoid.
@MoneySavingExpert To advertise in thewire t. 07720 429 613 e.
the.wire@btinternet.com Please mention thewire when responding to adverts 85
• Local, bespoke, confidential service. • Estate and Inheritance Tax Planning. • Retirement Planning. • Tax relief and tax efficiency. • Long-term Care Planning • Investment growth and diversification. • Protection.
To find out more, contact Guy on 01786 822 291
guy.jones@
sjpp.co.uk www.rjwm.co.uk
23 High Street, Dunblane
Page 1 |
Page 2 |
Page 3 |
Page 4 |
Page 5 |
Page 6 |
Page 7 |
Page 8 |
Page 9 |
Page 10 |
Page 11 |
Page 12 |
Page 13 |
Page 14 |
Page 15 |
Page 16 |
Page 17 |
Page 18 |
Page 19 |
Page 20 |
Page 21 |
Page 22 |
Page 23 |
Page 24 |
Page 25 |
Page 26 |
Page 27 |
Page 28 |
Page 29 |
Page 30 |
Page 31 |
Page 32 |
Page 33 |
Page 34 |
Page 35 |
Page 36 |
Page 37 |
Page 38 |
Page 39 |
Page 40 |
Page 41 |
Page 42 |
Page 43 |
Page 44 |
Page 45 |
Page 46 |
Page 47 |
Page 48 |
Page 49 |
Page 50 |
Page 51 |
Page 52 |
Page 53 |
Page 54 |
Page 55 |
Page 56 |
Page 57 |
Page 58 |
Page 59 |
Page 60 |
Page 61 |
Page 62 |
Page 63 |
Page 64 |
Page 65 |
Page 66 |
Page 67 |
Page 68 |
Page 69 |
Page 70 |
Page 71 |
Page 72 |
Page 73 |
Page 74 |
Page 75 |
Page 76 |
Page 77 |
Page 78 |
Page 79 |
Page 80 |
Page 81 |
Page 82 |
Page 83 |
Page 84 |
Page 85 |
Page 86 |
Page 87 |
Page 88 |
Page 89 |
Page 90 |
Page 91 |
Page 92 |
Page 93 |
Page 94 |
Page 95 |
Page 96 |
Page 97 |
Page 98 |
Page 99 |
Page 100