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When you verify your credit file, preserve an eye out for a ‘Victim of impersonation’ notice. This marker is provided by Cifas, a not-for-profit fraud prevention service. If you do spot any errors, challenge them by reporting them to the credit reference agency. There are other credit reference agencies joining the market place, such as Credit… Read More

Moody's has nine rating categories, from Aaa to C, and S&P has ten rating categories, from AAA to D. Ratings from Aaa to Baa are regarded as investment-graded by Moody's, and ratings from AAA to BBB are viewed as investment-graded by S&P. When rating agencies evaluate a credit rating, they also attach a "rating outlook" to every single rating. "Goo… Read More