Going on amazing adventures abroad and experiencing everything the world has to offer without breaking the bank can feel like an impossible day dream. But Loqbox has some really useful tips and tricks to help you travel on a budget, or even just go on holiday on a budget. Read on for cheap ways to travel and make memories that last a lifetime.
Late payments can sometimes sneak up on us, but understanding how late payments on credit reports affect your credit score is crucial for maintaining a healthy financial reputation. But does a late payment affect credit scores, how long do late payments stay on credit reports, and what about removing late payments from credit reports? Loqbox gets into it.
With interest rates soaring in 2023, you might be considering opening an ISA (Individual Savings Account). But does it have any impact on your credit rating and your credit score? Loqbox has your back with some advice on what is an ISA, what are the best ISA benefits you should know about, and do ISAs show on your credit report? Let’s get into it.
‘Good’ or ‘excellent’ credit score ratings can help you get the best mortgage and loan deals, rent places to live, and take out better credit cards. There are lots of tips on how to boost and maintain your credit scores. But what if you need to rebuild credit scores that are already ‘bad’? Loqbox looks at 7 ways to rebuild credit and get your score back on track.
We’re all worried about our planet. We are faced with concerns about climate change, social inequality, and environmental issues at every turn. So, it makes sense that investments are starting to be seen through a greener lens too. But is it possible to achieve your financial goals while also making a positive impact on the world? Loqbox gets into it.
Simply put, your credit utilisation is the amount of your available credit that you’re using. Credit utilisation is one of the most important factors when calculating your credit score. Having a low credit utilisation ratio (not using too much of your available credit) can give your credit score a boost. Loqbox helps to get your credit utilisation in shape.
Buying your first home is an exciting milestone in your life, but it can also be a daunting process, especially when it comes to understanding first-time buyer credit scores in the UK. You might be wondering what the minimum credit score first-time home buyers need is, or if you can get a first-time buyer mortgage with no credit history at all? Loqbox has you covered!
Getting divorced or dissolving a civil partnership can be an emotionally taxing time. And when money is wrapped up in the process it can be even more challenging to untangle and reorganise. On top of all that, you might be wondering: does a divorce affect your credit score? Loqbox’s guide has tips and advice on building and repairing credit after divorce or legal separation.
Whether you're newlyweds, engaged, unmarried, or in a committed relationship, you need to find ways to handle your finances together. Managing money as a couple can be challenging, but with open communication plus Loqbox’s guide to financial planning and money management as a couple, you can build a strong financial future together!
We all face unexpected financial challenges in our lives. The fridge packs in, the car needs major repairs, there’s a leak in the house, or you find yourself suddenly unable to work. Whatever the curveball, having an emergency fund or rainy day savings can be a real lifeline. Get in the know as Loqbox puts on its wellies to splash about in rainy day funds.
.png){kind=small}