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The next election is for a police and crime commissioner for Nottinghamshire, taking place on November 15. To be able to vote in this and future elections, residents are urged to return their registration form in the freepost envelope provided as soon as possible.

your details haven changed, registering by freephone, online or text only takes a few minutes and reduces postage costs. You can also help save money and the environment by registering straight away sending out reminders to households who have not registered is expensive and, in most cases unnecessary. The household canvass shouldn be necessary if all households register quickly. It would save the council thousands of pounds.

Under Armour Shoes Youth

Under Armour Shoes Youth

Use a credit builder credit card If you have struggled with debts in the past and your credit score has been affected, you will be a lot less likely to be accepted for a mainstream credit card.

Under Armour Shoes Youth

Under Armour Shoes Youth

Residents can run the risk of a 1,000 fine as registering to vote is a legal requirement. A number of Nottingham people have been fined recently for refusing to register to vote, with one man ending up in prison for a day after failing to attend court while on bail. Adam Brown, of Rossington Road, Sneinton, was given a day detention in lieu of 100 in fines and the payment of 400 in costs.

Correct mistakes on your credit report Check that your credit report is accurate and free from mistakes by applying for a copy online in exchange for a small one off fee or a monthly fee if you want constant access to the report. If you don't recognise or disagree with an entry, Under Armour Gemini 2

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If your form contains out of date information, just make the amendments and send it back in the envelope provided.

If you do spot a mistake, such as a company saying you defaulted on a payment when you didn't, and the agency refuses to change the information on your file, you are entitled to add your own comments as a of correction which lenders are obliged to consider.

Sarah Wilson, electoral services manager for Nottingham City Council, said: year we receive hundreds of calls from people who have failed to register and can get home loans or credit cards approved. Given the current financial climate, this may lead to difficulties and can be very distressing for those affected.

When paying credit card bills, for example, the safest method is to set up a direct debit to repay preferably the full amount each month or if not a set amount you know Under Armour Curry Mvp Shoes

Nottingham residents are being reminded that filling out their voter registration forms doesn't just ensure they get a say during local and national elections.

Making sure they are on the electoral roll can also help residents avoid a bad credit rating, which affects applications for loans, bank accounts and more, the city council warns.

You could also set up an alert on your mobile phone to remind you when large payments such as your mortgage are due to come out of your account.

Credit builder cards can also be useful for people who haven't used credit before. Having no history of borrowing can also result in you being rejected by lenders because they have no track record of payment on which to judge your reliability.

Get an alias if you've changed your surname If you have changed your surname, contact a credit reference agency such as Experian to check that an 'alias' has been linked to your credit report.

you can afford.

Break links to others with bad credit Other things that can have a negative impact on your score include being to someone who does have credit problems, for example if you have a joint mortgage or credit card with them.

Play by the rules Sticking to your credit limits and always paying what you owe by the agreed payment dates shows lenders that you are a responsible borrower and, over time, will also improve your credit score.

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This usually happens automatically via information sent to the agency by lenders but, in the event it doesn't and your new name is not linked to your old one, your credit score could suffer. If it hasn't happened automatically, then you will need to add your new name to your report, which can be done free of charge.

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Registering to vote can also help your Under Armour Shoes Stephen Curry Gold

Moneysupermarket has offered some tips on improving your credit score, with the first port of call being your local council to ensure you are on the electoral roll. If you are not eligible to vote because you're a foreign national, send proof of your residency to all the credit reference agencies, such as Experian and Equifax, direct.

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Cancel dormant credit cards If you have any credit cards sitting in your wallet, or even in the drawer, that you no longer use, cut them up and cancel your account. Banks are usually Under Armour Shoes Youth wary of people with lots of credit cards, even if they don't owe very much on them so this can make them reluctant to want to lend more.

credit rating

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Students living in the city but who are registered at their parent address elsewhere must still return their form.

If your partner has a poor credit score, it is therefore a good idea to keep your finances completely separate to prevent your own file from becoming damaged.

However, there are still builder credit card deals that you may qualify for such as Aqua Reward, Aqua Classic and Aquis Visa cards. The Aqua Reward card even offers 3% cashback on all purchases (up to 100). The representative APRs on these kinds of cards however, are a lot higher than on standard ones so you will need to be extra sure you clear your balance every month but, using these cards responsibly is the only way to rebuild your credit score anyway.

notify the credit reference agency and ask for it to be corrected.

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