I have a chance to meet with Experian face to face to ask anything! If you have a burning question that is credit related, now is the time to ask.
Date night this Friday! Well kinda….
Experian have invited me to attend a blogger event this weekend and, as Skint Mum is just as geeky with money as me, she also wanted to go. If you don’t ask you don’t get so, I sent what felt like a cheeky email with the query and Experian very kindly agreed for us to attend together.
I’ve been to a few blogger events before and they are really interesting as I can find out a lot more in depth information. However, this will be the first where Skint Mum and I attend together.
My niece has offered to look after the children and Skint Mum has booked a day off work so, on Friday, we’ll head up to London and enjoy a date night talking about money and credit rating (ok, maybe we need to get out more!)
Credit the right way
As a last resort, out of those who were struggling to make it to the end of the month, one in 10 would max out their credit card or even withdraw cash on a credit card (this is a NO NO).
Not only will there be issues with higher interest rates for cash withdrawals, difficulties paying back a credit card that’s maxed out but, your credit rating can be negatively affected too. This would mean the chances of getting approved for credit in the future would be lower.
Now we’re in February, Christmas is a distant memory and January pay day has come and gone. But if you have over stretched yourself, how will it affect your credit rating?
I was lucky to say that I did not use any credit in January, although a few years ago things were a lot different.
Back then, what we didn’t think about was how we could manage our credit in the right way and didn’t consider about any impact to our credit scores – and that’s what I hope Experian will be able to show us.
Credit myths busted
There are a load of myths and misunderstandings about credit. I’m hoping Experian is going to clear them up, once and for all, and show me how my credit report can paint the best picture of my (probably not so good) financial situation.
During the event they’ll share their research into how people are managing their credit accounts. They will also give me insights into how credit scoring works and what lenders are looking for when scoring applications.
What interests me the most is that they have offered to answer any questions I have about everything related to credit scoring and credit reports.
Any credit related questions?
So, dear reader, this is where I ask you – do you have any questions that you would like raised?
I have a chance to meet with Experian face to face to ask anything! If you have a burning question let me know as now is the time to ask.
If you would like me to take a question with me on Friday then please leave a comment below and I will ask them on Friday. If you would like to ask your question anonymously, just sign in as a guest and no-one will see your personal details.
When I’m back, I’ll share with you everything I find out about how to build a good credit history, how to make your credit score better and any questions you raised.
Ricky Willis is the original Skint Dad. A money-making enthusiast, father, and husband to Naomi. He is always looking for unique ways to earn a little extra.