Derogatory information is information in your credit history that lenders may legally use to turn down a loan request or application for credit. Derogatory information includes such things as bankrupt

The recession has made us all tighten our purse strings, and that includes the number of times we use our credit card. However, don't put them away for good as they are still a convenient, and sometim

Although not a new thing, pre-paid credit cards seem to be popping up all over the place at the moment, with mobile phone companies even getting in on the act. So with the recent launch of O2's fee-f

If you are one of the thousands of savers who piled into high-interest fixed-rate savings bonds a year ago, you may be in a quandary as to what to do now that your deal is about to end. Back then you

Perfect credit history required In the current uncertain climate, many card providers have introduced increasingly stringent criteria when assessing applicants, and are now reserving their top deals

Don't damage your credit rating If you have recently missed debt repayments, defaulted on a past debt, or made late payments, this will all show up on your credit report - and make a huge dent in you

Think of credit cards as your friends, each with their own unique personality, strong points and shortcomings. Some you'd take to the pub, others you'd take on an expensive holiday. As the saying goes

How much can I earn back? The best deal on the market is currently being offered by American Express' Platinum Cashback Card, which pays out 5% of your total expenditure during the first three months