Welcome to Transforming Worship
Welcome to Transforming Worship: a website of the Church to refresh, resource and promote liturgical worship. This website is currently undergoing major construction and the new website will be launched in early 2022.
Please bear with us as we improve our web presence.We will continue to provide as much information as we can on the current site. Thank you for your patience.
Helping Christians In Bad Financial Shape
The average Christian family with a low credit rating spends an extra £1,170 a year on mobile contracts, utility bills and EVERYTHING purchased on finance.
The BEST deals from mortgages and loans through to credit cards and broadband are saved for the people with the best credit rating
There are some QUICK AND SIMPLE ways to improve your credit rating and keep it ‘good’.
The first thing to do is CHECK YOUR CREDIT RATING
Check there are no errors on your credit record, like incorrect addresses. If there are mistakes then CORRECT THEM by writing to the Credit Agency and asking them to change it
If errors aren’t corrected, you can ask for your comments to be shown on a Notice of Correction. This may cause delays but improve your chance of being accepted for credit
Take simple steps to improve your credit rating. Getting on the Electoral roll and cancelling old contracts are simple actions that can quickly improve your score
End financial associations with ex-partners. Whilst their own credit rating won’t impact yours, taking out a product jointly with them will
Applying for more than 4 forms of credit in a year can worsen your credit rating, so only apply for credit when you need it
There are credit cards and mobile phone deals available that will help you BUILD your credit rating.
Be SMART. Make payments on time. If you are having problems, talk to your provider and agree a minimum payment. This is better than missing payments.
- Customers with an ‘excellent’ or ‘good’ credit profile normally have all or most of the following characteristics:
- Employed in same job with same employer for a reasonable period (or long term self employed)
- Same address for long period and on the electoral roll
- Never missed a payment and not been late with payment in recent years for credit or utilities such as gas, electricity etc
- A homeowner (maybe a tenant if in a very desirable residence or location)
- Same bank account for a long period
- Plenty of credit history e.g. has credit cards