Fuck singles in your area free no hidden charges or credit cards
To find which are easiest to get, see mse.me/creditrebuild. And don't worry, you can still opt out of the Open Register, which is the version that can be sold for commercial firms to use. That way you guarantee that you'll never be late with basic payments, but retain the flexibility to pay more to clear debts quicker.
It's not whether you kiss, cohabit or are married that links your finances, it's simply if you have a joint mortgage, loan, bank account and in certain rare circumstances energy bills (though then only for couples, not flat–sharers).
More on this, including how to get paid to do it, is at mse.me/checkfile.
Credit reference agencies used to make their cash by selling your info to lenders, now they flog it back to us, too.
Both are usually seen as evidence of poor money management and can hit your credit score.
While some payday lenders suggest repaying on time can boost your credit score, that's only true to a minor extent for those with already abysmal credit histories.
Of course, many firms adopt similar approaches to those who've had past problems, so it may feel as if there's a blacklist; but some lenders specialise in (usually high–charge) lending to those who present a risk.
There are lots of guys they would both reject, but they don't always like the same men. So if they're soon to lapse, hold off on new applications until they have.
For example, inconsistences between application forms from different institutions can hurt.
So if you've got more than one mobile number or job title, use the same one each time. Even something innocuous like an old, but technically still live, mobile phone contract which you forgot to update to your new address could in some circumstances stop you getting a mortgage.
And the score only looks at the info on your credit file.
When lenders score your application, any past dealings they've had with you will have a huge impact.
In most cases it's a bad move: some mortgage underwriters openly say they reject anyone with them.