Julie looks at what affects your credit rating and the actions you can and should take to make sure you are managing your credit and making it work for you

There are many areas where credit checks are used and one of these is by landlords as part of the tenant reference. Julie shares advice and tips from her own experience as a landlord about how someone can think it’s a positive to take out credit that’s available but in reality, it’s the opposite, having a negative impact on a credit rating, listen in and find out more about how to effectively manage your credit rating

 

KEY TAKEAWAYS

• Part of the reference for a tenant is a credit check
• It’s part of a landlord’s duty to make sure the tenant can afford to live in the property
• She had taken out the store  cards thinking that improved her credit rating
• She truly thought she was doing a good thing for her credit rating
• Part of your credit rating is calculated on the percentage of debt available to you
• Being able to get credit is a good thing but having too much credit available and not using it can be a poor thing
• Check your credit rating, manage your credit and learn how to make it work for you

 

BEST MOMENTS

‘Your credit rating affects many things’

‘She had the availability of debt’

 

VALUABLE RESOURCES

The Life-Changing Magic of Setting Goals book by Julie Hogbin  

The Authorities - Julie Hogbin: Powerful Wisdom from Leaders in the field book by Julie Hogbin, Raymond Aaron, Marci Shimoff, Dr John Gray 

 

ABOUT THE HOST

Julie Hogbin

I started my career within the accountancy profession, moving on into auditing, then Learning & Development where I have spent over 30 years.

 

In 2011 I threw everything up in the air and became a property investor via forex, trading and learning how to build websites & internet market whilst walking on fire 😊

 

I have worked with over 20,000 Leaders at every level of Management and Leadership for over 30+ years. In the latter years working with CEOs, SMTs, boards of trustees & Entrepreneurs.

 

I have worked with the public, the private and the entrepreneurial sectors of the market. The Leadership messages are the same across the sectors – the application may be different but all are Business’ where Conscious and Principled Leadership reaps rewards for all parties concerned.

 

I work with the human element of Business and my passion is enabling others to be the best they can be through providing them with the information they need to be more effective than they currently are. Unleashing potential and providing knowledge enabling the best decisions to be made for the Business, the Employee, the Leader (themselves) their families and the greater social economy.

 

I am a Coach, a Mentor (and I know the difference) Trainer, Author, property investor and public speaker

 

I love to travel, sunshine, smiley people, intelligent conversation, laughter, learning, networking, supporting others, property as a business, investigating ‘stuff’ problem solving, asking questions that make people think, creating aha moments, gardening and flowers and being outside.

 

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