So let me get this right… It costs you $247 to borrow $53? What an absolute effin joke!! Click on the video below for a taste of what it could be like :/

Having been looking into credit scores, I found out that there are 3 different credit agencies in the UK, Equifax, Experian and Call Credit. The scores from each can differ quite a bit too. Which is a bit of a nightmare.

What I did also come across was a great site called CheckMyFile.com, which can pull all 3 credit scores for you (which works out cheaper than pulling all 3 separately).  There is a monthly membership that is available, so you can track your scores constantly. All is detailed on the site.

Also, CheckMyFile will point you to credit cards and loans that suit your credit rating. Rumour has it that it is better to apply on the phone or in person than over the internet.

One thing I will add though, is that my score from CreditExpert differs quite a bit from my score for Experian by CheckMyFile. So keep your wits about you!!

Hope this helps

God I’m knackered. 12 hours of hardcore thinking and learning. Met some cool people tho, one of which whose birthday it is, so got invited for pizza to celebrate. Bear in mind I knew no-one I had a riotous time!

So, yeah, Kevin Green was the speaker, smart fella. He’s pushing us to test our boundaries, heavily!! He had me call my credit card agency, ask to waiver the annual fee, drop the interest rate and ask for the limit to be pressed to £100000!!

Scary shit, but in essence, when u get out of your norm, why is that not possible? All he is asking is to play the game the same way we know it but push it to the limit. No holds barred, and again, why not?

Good realistic, yet daunting, stuff. More tomorrow

Hi to miss Lizzy, if ur readin