*/ Essex Mums Blog |

Essex Mums Blog


What could your credit rating reveal about you, your lifestyle and your borrowing habits?

What could your credit rating reveal about you, your lifestyle and your borrowing habits? Order a free credit rating report to get the lowdown on your credit rating before your lender does.

What could your credit rating reveal about you?

If you haven’t checked your credit rating for a while, now could be the perfect time to do so. It’s amazing how much information your credit score can reveal about you, this is information that lenders check before they decide whether to lend you money or approve a credit or store card application.

Why check my credit rating?

If you are thinking of applying for credit soon it’s a great idea to check out what lenders can see in case there are any irregularities or issues that you need to deal with or dispute. For example, you may have been the victim of fraud or there may be black marks against your name because you are linked to somebody else incorrectly.

A credit report is very easy to read and understand and you can order your credit rating report from the comfort of your own home. Your credit rating will contain details about all of your existing credit accounts such as credit cards, loans, store cards and bank account overdrafts. Late payments, defaults and county court judgements (CCJs) will also be displayed if you have any.

Most credit reference agencies such as Experian (visit their site for more information) display your credit rating as a score; 999 is usually the highest score you can achieve although some agencies or credit report services display the rating as a star or percentage system.

I have late payments showing on my credit rating. Will I be refused credit?

The answer is probably not. If you only have one or two late payments showing and these date back a few months, lenders will usually overlook them. It is the credit reports with multiple late payments across multiple accounts that attract suspicion and which may give lenders cold feet.

Keep checking your credit rating regularly

Keeping a close eye on your credit rating and detailed report is sensible whether you are applying for credit now or simply trying to get your borrowing levels down. At a glance you can see important information such as the total amount that you owe, who you owe and your current borrowing limits.

This information can be a real eye opener and help you to budget and make wise borrowing choices in the future. What’s more, many credit report services match you up with the products that best suit your credit rating. If your credit rating is excellent, you will have access to the most favourable products with the lowest interest rates. As your credit rating goes down, you will still be matched with products such as credit cards and loans, but you can usually expect a higher rate of interest.

Get the lowdown before the lenders do

Thinking of taking out a loan? Considering a credit card? Before you make that online or paper application, order your credit rating report to get the lowdown on the credit information lenders are seeing. In doing so you can get a good idea if you will be likely to be accepted or rejected.

 

Becoming a happy ‘Host Family’

Do you have a spare room; are you looking to enhance your cultural experience; or do you have a child studying a language at school?  Becoming a host family could well be the answer to all of the above, and more.  We have a vast number of students from across Europe beginning up to one academic year at a local school in your area and we are looking to find suitable host families who would be willing to make these great students a part of their family!

Why would you do it and what are the benefits?

Welcoming an international student in to your home may seem like a daunting prospect but there are many reasons why you may choose to do so!

  • Enhance the social and cultural development of both your family and the visiting student
  • Create new and long lasting cross-cultural friendships and connections
  • Generate a reliable source of income
  • Provide a rewarding experience for your family that they will engage in, be educated by and enjoy!

Whatever the reason, we are looking for families of all backgrounds that have a dedicated, supportive and welcoming home environment who are willing to share their homes with an international guest!

Experiencing Family Life

In becoming a host family we do not expect you to change your everyday family life; In fact far from it, as we prepare the Xplore UK students to fully immerse themselves in to your household and its daily routine.  By treating the student as your own son or daughter they will quickly feel part of the family unit and embrace your culture and way of life.  The cultural exchange is two-way and having an international student in the home will give you and your family the opportunity to compare and contrast traditions and habits.  Outside of study time and in particular during evenings and at weekends, represents the ideal time to get to know one another and spend time together enjoying family activities and days out.

If this sounds like something you would be interested in, please don’t hesitate to contact the Xplore My Choice UK team with any questions you may have on 01449 742 704 or email homestays@xploreuk.com

 

A Party Fit for a Prince

As Great Britain prepares to party to celebrate the future king’s first birthday; Lauren Prentice from Sense Parties; children’s party planner to the stars is already receiving floods of requests for royal garden parties; just like the one Kate and William will throw baby George. Lauren goes on to say, ‘In the same way that everyone joined in and partied for the Queen’s Diamond Jubilee, we’re preparing to join together to say Happy Birthday to Prince George. It’s a case of keep calm and celebrate!’

Buckingham Palace officials and indeed Kate and Wills will be planning a private party for George and his pals but that’s not to say that the rest of the country won’t be following suit. Lauren says, ‘the Sense Parties office has been inundated with people searching for the perfect entertainment for their little ones and why shouldn’t the children have the best entertainment that’s fit for the little princes and princesses that they are!’

All Sense Parties are themed and Lauren speculates on the type of theme that Prince George might celebrate with. ‘Perhaps an around the world theme’ she comments ‘he’s already a jet setter and a worldwide theme is ideal to suit the mixture of ages and tastes which we can expect at baby George’s party.’

So will it be cucumber sandwiches and earl grey tea? Or will it be a more sophisticated affair? Lauren says, ‘I think it’s important to remember that although this is the future king of England’s birthday that it is a children’s party so I am sure that Kate and William will be keen for everyone young and old to have the best time possible!’

If you’re looking for the perfect party or entertainment for your child’s party contact Lauren on 07557 657 045 or visit www.senseparties.com

About Sense Parties:

Sense Parties offers the best children’s themed parties. We alleviate all of the party entertaining stress from parents and ensure a party that has all of the other Mums and Dads vying to match up to! We are unique in that all of our entertainers are professional actors who love working with children and are handpicked for their lively, bubbly personalities. We show the children the time of their lives; they can meet their favourite characters, become the next princesses, pirates or superheroes and even have a disco complete with snow machine. The children’s entertainment area of the business has flourished, we currently provide 50 parties per month across London, Surrey, Berkshire, Hampshire, Hertforshire and Kent.

 




AD RATES |  FEEDBACK | PRIVACY POLICY | WEBSITE DISCLAIMER | ACCESSIBILITY | SITEMAP

Click here to subscribe to the Essex Mums Newsletter

This website and its content is copyright of Essex Mums - © Essex Mums 2013. All rights reserved.