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A Featured artistic checks Article
Personal Finance 101 - Credit Checks

Credit cards, personal loans, mortgages and other forms of personal credit are an everyday part of financial life for all UK consumers. Looking at the figures for UK personal debt shows that Britain appears to be addicted to borrowing money and still continues obtaining more from the financial institutions. By the end of 2005 the UK personal debt levels stood at a record ?1,148, with 83% of this debt consisting of secured mortgage loans. Due to the nations reliance on credit of all forms, it is extremely important to keep a close eye on your own personal financial history and keep up to date with the official credit check reports which can help prevent fraud, and make the difference between acceptance at a favourable interest rate, or outright rejection just when the money is needed the most.



In the UK there are two main credit reference agencies which hold a wide range of financial information detailing a person?s continually evolving financial history, these are Experian ( http://www.experian.co.uk/ ) and Equifax ( http://www.equifax.co.uk/ ). By obtaining a copy of your report from each of these sources, (as they may contain different information), you can not only check the accuracy of the information stored and look for any potentially fraudulent entries, but you can also request that any incorrect information is amended to prevent possible future credit problems.



Each lender will weigh the information contained in a person?s credit file differently. However there are universal contributing factors which include:



- Electoral Roll information for a person?s currently registered address.

- Defaults on any financial repayment contracts, such as loans, mortgages, etc.

- Employment history for mortgage, credit cards, loans, hire purchase and finance agreements.

- Any County Court Judgments.

- The complete amount owed and the number of credit facilities used.

- The number of new credit facilities that have been applied for (both successful and unsuccessful applications).

- The type of credit used.

- Salary details given on the application form.



Lending organisations combine the data obtained through a credit report, along with information acquired from an application form, to produce a credit score. This score represents a measure of an applicant?s likelihood to repay debts and to make any repayments on time.



If an applicant?s score falls below the lenders acceptable risk threshold, or they don't fit an ideal customer profile, then the application may be completely rejected. It is also possible that a low score may result in acceptance, but at a more expensive interest rate than might usually be offered.



Some credit card providers, such as the Asda supermarket chain?s finance services, now provide applicants with a copy of their credit reports with all applications, however, to obtain the best deal it is vitally important that borrowers do some shopping around. When shopping around for credit however, try to obtain as much information as possible prior to making a formal application for credit. Whenever any application for credit is made, a footprint is left on the credit record showing that a search has been made. Credit companies see lots of footprints as an indicator that the applicant may be in severe financial difficulties or even that some form of fraud may be evident. Using one of the various online financial comparison websites, such as Moneynet ( http://www.moneynet.co.uk/loans/index.shtml ), enables you to see what is on offer, and what general market rates are available, before any financial commitment or full credit search is required.



Even people who are not looking to obtain additional credit may find a credit report useful for peace of mind, and to ensure that their credit details are not being used for fraudulent applications, or as part of the growing disturbing phenomenon that is identity theft.



Disclaimer:



All information contained in this article, is for general information purposes only and should not be construed as advice under the Financial Services Act 1986.



You are strongly advised to take appropriate professional and legal advice before entering into any binding contracts.



Useful resources:



Moneynet loan comparisons ( http://www.moneynet.co.uk/ )

Experian credit reference agency ( http://www.experian.co.uk/ )

Equifax credit reference agency ( http://www.equifax.co.uk/ )

About the Author: Richard lives in Edinburgh, occasionally writing for the personal finance blog Cashzilla, and listens to music no one else likes.

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The Best personal checks cheap Articles on Wine
5 Ways to STOP BAD CHECKS!

Word count: 239
Word wrap: 65 characters

5 Ways to STOP BAD CHECKS!
Copyright 2003, Queen Mason

Are you tired of rising losses due to bad checks? So was I.
In fact, when I started my publishing company, the very first
order I received was paid for with a bad check! When that check
bounced, it seemed like a bad omen...

But what had at first seemed like a bad omen turned into a
mission. I became determined to protect my new business from bad
checks and the people who write them!

Reducing bad check expense starts with knowing what to look
for on each check that you receive. The following five tips will
help you spot bad checks before you deposit them:

1. NO SIGNATURE: It isn't illegal to give someone an unsigned
check, but an unsigned check isn't worth the paper it's written
on. Make sure that every check you receive is signed.

2. AMOUNTS DON'T MATCH: Always check to make sure that the
amount expressed in words and the amount expressed in numbers
are the same.

3. WRONG DATE: Most banks won't honor a check that is backdated
six months or more.

4. WRONG PAYEE: You can't negotiate a check unless it is made out
to you. Make sure that the payee section is filled in correctly.

5. ALTERED: Under no circumstances should you accept a check that
has been altered or defaced. Beware of write-overs, erasures,
crossed-out items, etc.

By following these tips, you can reduce bad checks and the
expenses that go with them!
====================
Queen Mason is president of Red Triangle Enterprises, Inc.,
publisher of STOP BAD CHECKS! (A Guide for Small Businesses)
http://www.stopbadchecks.com
mailto:articles@stopbadchecks.com

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personal checks cheap in the news
Monthly cash grants to help poor survive coming year

Thu, 12 Jun 2008 03:53:00 GMT
By Wichit Chaitrong The Nation Published on June 12, 2008 The government may issue coupons, or "top-up cards", to help the poor buy food and pay for transportation and other daily necessities for six to 12 ...

Sold on being a solid agent

Sun, 08 Jun 2008 07:08:16 GMT
Often, and with a grim expression, people offer their sympathies to Casey Price over his recent career change to real estate.

Imagine a year without shopping

Wed, 04 Jun 2008 11:00:00 GMT
I do not consider myself a big shopper. I avoid big malls for the most part and try to buy most everything within a few miles of my house.

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Today's artistic checks.com Article
Personal Checks Extreme Benefits

Why would someone decide to spend just a little bit more money when they can buy the cheaper, more basic checks?  It has everything to do with customization.

Why would someone decide to spend just a little bit more money when they can buy the cheaper, more basic checks?  It has everything to do with customization.

 

Millions of people have a checking account and many people have two of three. They have the choice of choosing a variety of check designs to compliment the checking account. The styles range from solid color checks to more intricate designs that reflect the personality.

Why would someone decide to spend just a little bit more money when they can buy the cheaper, more basic checks? It has everything to do with customization.

The many check images available to make your account personal can cover just about all the bases. Here are some of the examples for you to choose from:

• Cartoon checks. Care Bears, Spongebob, and Hello Kitty are popular checks for young and old.
• Sports designs. Choose your favorite team logos or pictures from baseballs stadiums, football heroes, or NASCARs best.
• Anne Geddes checks. We are all familiar with the artistic images of children and flowers. Add them to your checking account.
• Animal prints. The artistic checks range from jungle animals to mans best friend.
• Christian checks. Share inspiring messages with people of all kinds. Theyll also inspire you to be the best you can be.

As you can see, there are a variety of checks to make the most of your account. Sharing your personality with others is worth an extra dollar added onto the order.

It would be difficult to browse through a check gallery and not find a design that matches your style. Just in case, there in one other option. Photo checks provide a platform for you to send in personal photos to have them printed as the background of the check.

Photo checks are the latest advancement in check printing technology. It doesnt get any more personal than creating checks that no one else in the world will have. Friends and family will be amazed by the creativity that went into the check order.

Personal photo checks are available through many online check printing companies. All it takes is a digital or scanned photo sent via email. Save the image in JPEG form and in a week or two the new checks will arrive in the mailbox.

Take the time to browse through a couple personal check sites to see what is new in checking. New styles are always showing up on the web, and most sites carry different images. Personalize your checkbook for added excitement in your life.

ABOUT THE AUTHOR

Robb Ksiazek is an author and publisher for Checks-4U.com. He has researched and written about the little things that make a difference in the paper supply industry, from personal and business checks to envelopes and address labels. Turn the ordinary into extraordinary.

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