Seeking help
Everyone needs an outlet for venting their frustrations, worries, fears and even for sharing joy, good news and exciting events. That's what life is all about - sharing the highs and lows, learning along the way and coming out a better person in the end. If you're not quite this optimistic about your finances, don't fret, you aren't alone.
If you're in debt and you feel like you can't talk to friends or family about your situation, seek help elsewhere. There are organisations such as Citizens Advice which can help with counselling when you're having financial difficulties. Don’t bottle up stress and anxiety about financial problems.
Debt worries
If you're having financial trouble, the following websites are helpful in providing free advice, guidance and support:
- National Debtline - www.nationaldebtline.co.uk
- Consumer Credit Counselling Service - www.cccs.co.uk
- Community Legal Advice - www.clsdirect.org.uk
Check your credit history and find out how more about how you can improve your rating
You can request to see a copy of your credit history and get more advice on how to improve your credit rating here:
Why order a credit report?
Everyone should order a copy of their credit report once a year. Put it in your diary to order a credit report on your birthday and see it as a little celebration of you taking control of your finances. When you review your credit report you aren't simply looking to see how miserably in debt you are, if that's the case, but rather to check for any errors or inconsistencies. If you're separated or divorced, take a look to see if there are still debts in your name which your ex-partner is supposed to be paying. If there are and they are past due, you need to start making some phone calls. Also look for anything that is out of place or not your own debt - there are other Jane Smith's out there! You see, your credit report isn't just about your 3-digit credit score, it's about knowing and managing your debts, good or bad, and feeling in control of your finances.
