Applying for a loan? A poor credit record can result in surprisingly ( insurance ) high rates of interest being charged.

Loans. Check your credit record

Nearly all companies offering personal loans and some one third of

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credit card companies advertise "typical rates" as an indication of the interest rates which you'll be charged. If you find yourself in need of a loan, make sure you do your sums with regard to the rate of interest you'll be ( cheap loans ) charged. Loan advertisements offer their headline rate, but after all the form-filling you could be astonished to find you'll be charged considerably more, even up to double, than the rate you'd seen advertised.

There's a possibility that your credit record has let you down. There are various reasons for this - one being that you have very little for the lenders to go on when assessing the likelihood of you being a good, conscientious and reliable customer. This can often occur with young people, who ( home insurance ) haven't yet achieved any sort of credit history, or maybe you haven't actually applied for credit for some years - maybe you've been out of the country or just not in need of credit, for whatever reason.

There may also be other reasons, such as negative feedback because of missed payments for credit cards or loans, county court judgements or general bad debts. Even small bills, ( unsecured loans ) maybe for your mobile phone, will make a difference. At one time only large debts were recorded in your credit file but now everything is taken into ( mortgages ) account.

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Your home may be repossessed if you do not keep up your repayments on a mortgage or any debt secured on it. Loans may be secured on your home or other property. Think carefully before securing other debts against your home.