Use your credit score to plan your financial future

Your credit score is not set in stone - you can change it

Your credit score is not set in stone – you can change it

Everyone has a credit report, and by definition a credit score too. And when you apply for new credit, most lenders want to make sure you’re able to pay it back before they commit to giving you credit.

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Last-minute holiday money-saving tips

If you’re planning to get a new card for your holiday spending, check your Experian credit report before applying

If you’re planning to get a new card for your holiday spending, check your Experian credit report before applying

Before you go on holiday this summer, it’s worth remembering that there are several ways you could cut costs before you’ve even touched down on the sun-kissed runway.
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How is your credit score looking?

So what’s your Experian Credit Score for?  Well, it can help you understand how your credit history can affect future credit applications you might make. The Experian Credit Score helps people understand how their credit history could be interpreted by lenders. It’s a guide to help you understand your credit report, and for you to keep an eye on your own progress as you get your finances ship-shape before you next apply.

Have a try of our interactive credit score tool below to see how your Experian Credit Score might be looking, and to see ways in which you might be able to improve it.

Missed credit repayments: what you could do about it

Don’t be tempted to skip or delay your monthly repayments

Don’t be tempted to skip or delay your monthly repayments

Missing a credit repayment can happen to everyone.  But don’t be tempted to skip or delay your monthly repayments, as your credit report can show you if you’ve missed some payments on cards or loans you have. Research commissioned by Experian last year found that over a quarter (28%) of Britons had missed payments currently listed on their credit report due to ‘forgetting’ to make repayments on time.

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Seven ways to have a budget Grand Prix weekend

Save money and still enjoy the British GP

Save money and still enjoy the British GP

The world of Formula 1 is widely seen as being a glamorous ride for all involved, and if you want to attend a Grand Prix race as a spectator, it doesn’t always come cheap.

There’s the race ticket, plus merchandise, event-priced food and drink, getting there, staying there, not to mention, if you really fancy splashing serious cash, getting paddock (ie: pit lane access) passes.

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Summer sport without busting your finances

Game, set and match to you, if you look after your finances

Game, set and match to you, if you look after your finances

Tired of the football yet? Wimbledon is here now, and for many, a visit to this and other grass-kissed sporting events are the essence of the English summer. The idea can seem dauntingly expensive but a little careful planning can bring it into your grasp.

If you want Centre Court tickets at Wimbledon, they’re cheapest at the start of the tournament. A ground ticket however is less than half the price and, during the first week, means you can see many of the big names on courts three and below for £20 or less. If you enter the gates after 5pm (which you’d probably have to even if you join the queue by midday), when many of the most nail-biting games are played, it’s cheaper still. 

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Make sure you’re credit-set for the sales

Make sure you've got enough in the credit tank when you sales-shop

Make sure you’ve got enough in the credit tank when you sales-shop

The summer sales are upon us, and the temptation of discounted prices is mixed with the need for retailers to clear out their old stock.

There isn’t much that cannot be discounted, so it’s up to you to persuade them to do it. Remember that you have nothing to lose, as all retailers ultimately want your custom.

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It’s not too late to join the festival party

Enjoy the revelry, the music and the sunshine

Enjoy the revelry, the music and the sunshine

With tickets to Glastonbury and the summer’s major rock festivals long gone in an instant, being part of the big outdoor musical celebrations might seem a bit of a challenge.

Taking the plunge and splashing out for the initial ticket price can be tough, especially when there’s also the cost of travel, camping, food and drink to factor in come the event itself.

So how could you enjoy the revelry, the music and the sunshine, and stop worrying about the daily grind, even if you haven’t managed to buy a ticket?

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5 tips to beat the online cyber-criminals

Keeping a close eye on our personal credit information is important

Keeping a close eye on our personal credit information is important

The recent warnings from the National Crime Agency about the possibility of imminent threats from malware have really brought home the importance of staying protected online.

Experian research found a 37% increase in confirmed fraud cases identified by the Experian Victims of Fraud service in 2013 since the year before*. Of 20,000 suspected fraud cases investigated, 12,740 cases were confirmed to be fraudulent, with big increases in account takeover fraud (up 123% from 110 to 246 cases a month), loan fraud and mobile/communications account-related fraud.

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Keep your eye on the ball for personal data

Let's hope they keep their eyes on the ball better!

Let’s hope they keep their eyes on the ball better!

We often speak about the importance of being careful where and with whom you share certain personal information and data, so that you don’t run the risk of it falling into the hands of unsavoury types who might then use it for fraudulent purposes.

You wouldn’t expect to see your passport number floating around on social media – which is what last week befell members of the England football squad shortly about to embark on their campaign in Brazil.

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