{"id":72254,"date":"2020-09-15T08:28:46","date_gmt":"2020-09-15T08:28:46","guid":{"rendered":"https:\/\/secondchargemortgageuk.com\/?p=72254"},"modified":"2020-09-15T08:28:47","modified_gmt":"2020-09-15T08:28:47","slug":"growing-number-of-clients-unaware-they-have-poor-credit","status":"publish","type":"post","link":"https:\/\/secondchargemortgageuk.com\/growing-number-of-clients-unaware-they-have-poor-credit\/","title":{"rendered":"Growing number of clients unaware they have poor credit"},"content":{"rendered":"\n<p>The number of clients who are unaware that they have poor credit files is growing, according to broker forum Cherry.<\/p>\n\n\n\n<p>The research, which was carried out amongst forum users in association with Click2Check, found that 79% of brokers are seeing more clients who are unaware that they have poor credit files.<\/p>\n\n\n\n<p>The main cause of poor credit, cited by 42% of brokers, is missed payments on credit and store cards. More than a quarter (27%) of brokers said the poor credit was due to missed payments on utilities, while 23% said it was caused by mortgage payment holidays.<\/p>\n\n\n\n<p><em>To find out more about how we can assist you with your Second Charge Mortgage please <a href=\"https:\/\/secondchargemortgageuk.com\/contact-us\/\">click here<\/a><\/em><\/p>\n\n\n\n<p>Donna Hopton, director at Cherry, commented: \u201cThe Cherry forum provides brokers with the opportunity to discuss the latest trends and developments in the market, and it\u2019s very clear that clients with poor credit files is a hot topic right now. This makes sense given the economic upheaval people have experienced as a result of Covid-19, but it\u2019s interesting and concerning that so many clients are unaware the impact of missing payments or taking a mortgage payment holiday can have on their credit record.\u201d<\/p>\n\n\n\n<p>David Jones, director of Click2Check, added: \u201cIt\u2019s so important that brokers are able to understand a client\u2019s true credit standing and affordability at the outset, so that they can match them with the most suitable lender. This research demonstrates that very often clients are unaware of their true credit status so advisers should have their own systems and processes in place to ensure they don\u2019t waste time chasing after unsuitable lenders. This is where a pre-qualification tool like Credit Assess from Click2Check can prove an invaluable part of the advice process.\u201d<\/p>\n\n\n\n<p><em>By ROZI JONES<\/em><\/p>\n\n\n\n<p>Source: <a href=\"https:\/\/www.financialreporter.co.uk\/mortgages\/growing-number-of-clients-unaware-they-have-poor-credi.html\" target=\"_blank\" rel=\"noreferrer noopener\">Financial Reporter<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The number of clients who are unaware that they have poor credit files is growing, according to broker forum Cherry. The research, which was carried out amongst forum users in association with Click2Check, found that 79% of brokers are seeing more clients who are unaware that they have poor credit files. The main cause of [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":72256,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mi_skip_tracking":false},"categories":[1978],"tags":[2078,2077,2076],"yst_prominent_words":[833,881,1576,116,33,1021,948,1100,718],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v14.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Growing number of clients unaware they have poor credit<\/title>\n<meta name=\"description\" content=\"The number of clients who are unaware that they have poor credit files is growing, according to broker forum Cherry.\" \/>\n<meta name=\"robots\" content=\"index, follow\" \/>\n<meta name=\"googlebot\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta name=\"bingbot\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link 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