# General

PayPlan @ www.payplan.com

PayPlan (Pay Plan) has quickly grown to become of the leading debt management companies today that is homed at www.payplan.com. This particular domain was only registered in 2010 although this company has around 19 years experience, helping over 1 million people with debts across the UK. What has been key to the success of this brand from Totemic Ltd has been that they offer free debt management plans. The individual voluntary arrangements (IVAs) are also free (although these do of course come with standard legal fees). Free debt assistance is another key offering to those people struggling to keep control of those debts that have been stacking up. PayPlan manages to offer their services for free by taking on donations from leading credit companies in the industry.

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CheckMyFile @ www.checkmyfile.com

CheckMyFile (Check My File) is a popular credit monitoring service that can be reached at the address of www.checkmyfile.com. This is a service from Credit Reporting Agency Ltd that arrived in 1999, whilst CheckMyFile followed the year after in 2000. This is of course not a credit reference agency, but a service that retrieves data from multiple agencies. This multi credit reference agency report takes data from CallCredit and Experian with the data from Experian being public. I assume that Experian keep their data private since they don’t want to give anyone an inch over their own Credit Expert service that is the most popular credit report on the market. The CheckMyFile service provides very thorough information that will include 7 credit scores and identity theft assistance.

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Noddle @ www.noddle.co.uk

Following on from introducing CallCredit Check that is the paid service from the CallCredit agency, we will today be focusing on their free service that goes by the name of Noddle (from CallCredit Information Group). The www.noddle.co.uk site was launched in late 2011 and has already become very popular in its early days. Noddle makes its money by offering credit cards and loans based on your personal circumstances that you are under no obligation to go ahead and use. This data is put together with the help of HD Decisions and MoneySupermarket, whereby they will make money through any leads generated. I used the service myself and have been impressed by them, although it should only really be used as a rough guide to your current financial situation.

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CallCredit Check @ www.callcreditcheck.com

The Credit Expert (from Experian) and Equifax credit reports have previously been covered here. Today the focus will shift to CallCredit (Call Credit) that is a part of CallCredit Information Group. This is the third most popular credit reference agency that launched in 2000 with this company being based in Leeds. This agency was originally devised by Skipton Building Society who have now moved on. Although the local site is headed at www.callcredit.co.uk, the available paid report will be available at www.callcreditcheck.com. A further free report is available at www.noddle.co.uk that will be covered in a later posting. CallCredit Check itself looks to have been setup in 2010 with the cost being set at £12 per quarter (£4 per month). There is no free trial provided here.

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Equifax @ www.equifax.co.uk

Credit reports from Equifax will always be popular, since Equifax is the second most popular credit reference agency operating in the UK. Whilst Experian provide their report at Credit Expert and CallCredit provide their report at both CallCredit Check and Noddle, Equifax actually offer their report on their main site at www.equifax.co.uk. Equifax itself arises from the United States and is headquartered in Atlanta. This is a historic company dating back to 1899 when they were founded as the Retail Credit Company with the Equifax name coming into play in 1975. The United States is their home, but they have made an impact here in the UK and as noted stand as the second most popular agency. This makes their data important than can be yours on a free 30 day trial.

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Credit Expert @ www.creditexpert.co.uk

Credit Expert (CreditExpert) is the most popular credit report available that arises from Experian who is the most popular UK credit reference agency. The Credit Expert site at www.creditexpert.co.uk was registered in 2001. Experian itself launched in 1996 when there was a merge between the CCN Group and TRW Information Systems & Services. Equifax is the agency that is used by the most lenders and so the data that they have is the most comprehensive. As an agency, they are larger and do make higher profits than their main rival Equifax. Access to the Experian Credit Report and Experian Credit Score can be granted on a free 30 day trial with Credit Expert. Just to add, although they term their brand as CreditExpert, the majority of searches made for them are as Credit Expert.

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123 Debt Solutions @ www.123debtsolutions.co.uk

123 Debt Solutions (123DebtSolutions) is a popular debt management company based in Liverpool that operates at www.123debtsolutions.co.uk. They launched in the year 2006 with debt management plans (DMPs) being their speciality. Other than DMPs, they do work on individual voluntary arrangements (IVAs) and even bankruptcy cases. In regards to the costs involved here, there is no setup fee with the regular charge sitting around 12% of the monthly repayment that is better than many of their competitors who usually take around 17% or so. It will be interesting to compare rates when a large pool of debt management companies have been introduced here to see the top performing names. The popular PayPlan is of course free and so the quality of that service will need to be looked at in detail.

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Pounds to Pocket Promo Code 2013

This Pounds to Pocket promo code 2013 will allow you to receive a saving on the 12 month loans that are offered by this lender. This is the second major brand arising from CashEuroNet UK LLC that is a part of Cash America International Inc with the other company being QuickQuid. Pounds to Pocket's growth has been significant since launching here in the UK in 2010. The Pounds to Pocket TV ads have been shown very frequently on daytime TV over the past year and are expected to continue in 2013 where codes are always included. In a previous post, the promo for QuickQuid discounted 25% of their loan fees in place. The current best available code here is a payment discount only that discounts the initial monthly payment.

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List of New Payday Lenders 2012 and 2013

This will be a regularly updated post that caters new payday lenders 2012 and new payday lenders 2013. You will soon find referenced companies that were simply launched in both 2012 and 2013. Many people are interested in finding brand new payday lenders or at least relatively new payday loan providers since they have already used the likes of Payday UK, QuickQuid, Wonga and so on. They may have had bad experiences with these companies or may just be looking for someone that provides a more efficient loan service. Any such newly formed companies will certainly be looking to stand out from the crowd that usually equates to more flexible terms, lower charges or some other feature that would help to differentiate them.

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Wonga Promo Code 2013

Wonga is one of the leading names for short term loans in the UK and with them having a promo code box clearly displayed on their homepage, this has always stood as one of the most popular payday promo codes searched for online. Alike with past codes, this Wonga promo code 2013 is designed to take away the transfer fee of £5.50 that is always included in the pricing alongside the interest. In the past their codes have usually been designed to be used for first time customers only, but the one featured today may just change this. I looked around for a Wonga promo code for existing customers and spotted an official Wonga page notice stating, "New and existing customers save £5.50 using our Facebook app".

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