{"id":52582,"date":"2017-04-22T13:00:06","date_gmt":"2017-04-22T06:00:06","guid":{"rendered":"http:\/\/www.siamlandbank.com\/propertynews\/property-news\/how-to-find-the-best-personal-loan-without-damaging-your-credit-rating\/"},"modified":"2017-04-22T13:08:49","modified_gmt":"2017-04-22T06:08:49","slug":"how-to-find-the-best-personal-loan-without-damaging-your-credit-rating","status":"publish","type":"post","link":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/how-to-find-the-best-personal-loan-without-damaging-your-credit-rating\/","title":{"rendered":"How to find the best personal loan without damaging your credit rating"},"content":{"rendered":"


\nIf you apply to lenders that use \u2018hard\u2019 credit checks you could be left with a mark on your credit file and miss out on lower ratesUnderhand tactics by leading personal loan providers are costing Britons hundreds of millions of pounds a year, it was claimed this week. A report says many banks and other companies are \u201cpunishing\u201d people for shopping around for a loan because they carry out an unnecessary type of credit check that leaves a mark on their file and can damage their credit rating.However, it is easy to avoid this problem because there are lots of lenders and comparison websites that allow people to get a personalised quote without affecting their credit rating. Continue reading…
\n
\nSource : theguardian.com
\nRead more…How to find the best personal loan without damaging your credit rating<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

If you apply to lenders that use \u2018hard\u2019 credit checks you could be left with...<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"false","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"spay_email":"","footnotes":"","jetpack_publicize_message":"","jetpack_is_tweetstorm":false,"jetpack_publicize_feature_enabled":true},"categories":[1],"tags":[],"class_list":["post-52582","post","type-post","status-publish","format-standard","hentry","category-property-news"],"jetpack_featured_media_url":"","jetpack_publicize_connections":[],"jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p75ss1-dG6","jetpack-related-posts":[{"id":73920,"url":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/my-credit-rating-was-sullied-after-fraudster-took-out-a-payday-loan\/","url_meta":{"origin":52582,"position":0},"title":"My credit rating was sullied after fraudster took out a payday loan","date":"December 7, 2017","format":false,"excerpt":"\r My personal details were used to get a loan that was never repaid, and it will take me 45 days for my rating to return to normalSomebody took out a payday loan in my name with Lending Stream. They combined my name, address and date of birth with their\u2026","rel":"","context":"In "Property News"","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":3334,"url":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/payday-lenders-and-credit-firms-to-pay-for-illegal-money-enforcement-teams\/","url_meta":{"origin":52582,"position":1},"title":"Payday lenders and credit firms to pay for 'illegal money' enforcement teams","date":"February 1, 2016","format":false,"excerpt":"\r Proposed levy coincides with government withdrawal of funding for service which has prosecuted more than 300 illegal money lenders since 2004Payday loan firms and credit card companies could be charged a fee to fund the work of teams cracking down on loan sharks, the chancellor has announced.From April 2017\u2026","rel":"","context":"In "Property News"","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":60912,"url":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/how-credit-score-agencies-have-the-power-to-make-or-break-lives\/","url_meta":{"origin":52582,"position":2},"title":"How credit score agencies have the power to make or break lives","date":"July 17, 2017","format":false,"excerpt":"\r Defaults on a file often mean lenders will say no \u2013 to anything from a mortgage to a mobile phone contract. So what can you do?Omar Nasser came close to losing his home when his interest-only mortgage expired earlier this year and his application for a new loan was\u2026","rel":"","context":"In "Property News"","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":55675,"url":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/credit-union-for-retail-workers-aims-to-fend-off-payday-lenders\/","url_meta":{"origin":52582,"position":3},"title":"Credit union for retail workers aims to fend off payday lenders","date":"May 23, 2017","format":false,"excerpt":"\r The retailCURe credit union is backed by several large high street stores and offers loans and savings productsJohn Lewis and Debenhams are among the high street names backing a new credit union for the retail sector, officially launching today, which aims to help shop workers \u201cavoid the clutches\u201d of\u2026","rel":"","context":"In "Property News"","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":83811,"url":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/stella-creasy-to-call-for-crackdown-on-high-cost-credit-cards\/","url_meta":{"origin":52582,"position":4},"title":"Stella Creasy to call for crackdown on high-cost credit cards","date":"March 27, 2018","format":false,"excerpt":"\r Labour MP who championed payday loan fee caps in new push to help tackle problem debtThe Labour MP who championed a crackdown on payday lenders is taking aim at high-cost credit cards, calling for a cap on fees and interest charges to protect vulnerable customers.Stella Creasy, credited with forcing\u2026","rel":"","context":"In "Property News"","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":15236,"url":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/us-proposes-new-rules-for-payday-loan-industry-to-curtail-borrower-debt\/","url_meta":{"origin":52582,"position":5},"title":"US proposes new rules for payday loan industry to curtail borrower debt","date":"June 2, 2016","format":false,"excerpt":"\r Consumer Financial Protection Bureau seeks to require lenders to check if people can afford to repay as critics accuse agency of ignoring credit needs of poorThe US government announced plans on Thursday to regulate the controversial $38.5bn payday loan industry. Regulation of the high-interest, low-dollar loan industry has until\u2026","rel":"","context":"In "Property News"","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]}],"_links":{"self":[{"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/posts\/52582"}],"collection":[{"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/comments?post=52582"}],"version-history":[{"count":0,"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/posts\/52582\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/media?parent=52582"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/categories?post=52582"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/tags?post=52582"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}