20/02/2010 by bill.

The information in your credit report is key to getting the loans you need – but it is only half the story.

You can view your credit report online now for free, and order your National Credit Score from CreditExpert, Experian’s online credit monitoring service. To find out more click here

Before deciding whether or not to lend money, many organisations take your report, plus additional information included on your application form, and generate a credit score. This score indicates the risk involved in granting you credit. Over the years, automated scoring has proved to be more accurate and consistent than subjective human judgement. It also allows lenders to make decisions more quickly.

Computer programs score your application by looking at how past customers with similar profiles repaid their credit. Every lender uses a slightly different formula that represents its own and industry experience and these may be adjusted according to the type of credit you are applying for. So every application could generate a different credit score.

Your credit score will also change over time, as the information in your credit report and on each credit application form is updated.

If you are thinking about applying for credit, it’s worth ordering your National Credit Score from CreditExpert. It is based on your Experian credit report and is an excellent guide to how lenders may assess the information held on your report.

Your score will be a number between 0 and 1,000. Generally, the higher your score, the easier you will find it to get loans and credit.

As a member of CreditExpert, you can order and view your National Credit Score online for the special price of £4.99 – click here for details. You will be able to view your credit score for 12 months in your Score Library.

If you are not scoring as well as you would like, you will find advice, hints and tips on the site that may help you to improve your score. You can order a new score at any time, to monitor your progress.

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17/02/2010 by bill.

Healthinsurance.co.uk is a leading health insurance site, with access to great offers from the leading providers, including BUPA, AXA, NU/Aviva, PruHealth, HSA etc. We take the frustration and the expense out of the consumer purchasing process by searching the market on their behalf to provide a free, fast and without obligation personalised health insurance quote.

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16/02/2010 by bill.

American Express Single Trip, Annual Select and Annual Prestige policies have been awarded 2009 5 Star ratings by Defaqto, which means they have one of the broadest range of features and benefits and highest levels of cover available.

Defaqto are the UK’s leading independent financial services research company. The Star Rating reflects the quality of an insurance product. Each product is rated with 1 to 5 stars showing you the quality and the level of features and benefits offered by that product.

American Express Travel Insurance

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16/02/2010 by bill.

HSBC Advance is available for £6 a month for the first three months from account opening, after which you will pay the full monthly price, currently £12.95. HSBC Advance has an initial 12 month contract and is then renewable monthly. Benefits include:

· Worldwide Travel Insurance for you and your family - Policy terms and conditions apply. Only available for customers under the age of 70 and provided by Aviva Insurance UK Limited.

· Roadside Breakdown Assistance - Policy terms and conditions apply. Underwritten by Mondial Assistance Europe N.V.

· ID theft and personal safety assistance provided by Red24.

· Life Cover of £3,000 – Available for customers under the age of 65. Policy terms and conditions apply and provided by HSBC Life (UK) Limited.

· Text banking only available to UK residents

· Dedicated HSBC Advance specialists on hand 24/7

· Preferential overdraft rate of 17.9% EAR variable. Subject to status

· Preferential terms on savings and mortgages

· Money-saving travel and leisure offers

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