Insight

Our thoughts on the changing shape of the consumer credit market.

How we’re making it easier for customers to fix credit report errors

If you’re reading this, most likely you have a TotallyMoney account and you have already checked your credit report and credit score. If you haven’t got one yet, don’t worry. You can sign-up for yours in less than five minutes. It’s totally free, forever!   Regardless of whether you have a high or a low…

Read

An Introduction to Borrowing Power

Borrowing Power is unique to TotallyMoney. It’s one number to show how likely you are to be accepted when you apply for credit — and you won’t find it anywhere else. Think of it as your credit health meter. The higher your Borrowing Power, the better the credit card and loan offers you’re likely to…

Read

We’ve made improvements. Now you can, too.

As part of our mission to make credit better, we want to give our customers all the tools they need to improve their credit status and get the best outcomes from their borrowing so that they have a more affordable life. We understand that the world of credit reports is opaque, we want to lift…

Read

Fresh thinking for customer success

In an economy where credit products are so readily available, it’s surprising how little we know about our own ability to get credit. If you asked any of my friends about their credit history you would likely be met with blank stares and confused looks. Understanding your credit report is important, but we are rarely,…

Read

No piece of cake getting a slice of the action

On Sunday, TotallyMoney’s 250,000th customer joined our service to get access to their free-forever credit report, Borrowing Power and best credit matches. Our growth since our September 2017 launch has been sensational.  In only five months, we’ve attracted one-quarter of a million people to use our service. In that time, we’ve launched a national TV advert, become…

Read

Are we in Post-Peak Balance Transfer?

The length of interest-free balance transfers is falling. In September, the longest interest free period for Balance Transfer Offer was 43 months. At the time of writing this article, the maximum you can get is 39 months. That’s if you are accepted by the lender. How to find the best offer You can check your…

Read

Looker to the future of business intelligence

At a recent Data Disruptors Meetup, Looker CEO Frank Bien delivered an opening presentation about how the data landscape had changed over the past decade Three eras of data Bien outlined three eras in data; the first in which querying data was very slow and expensive, and therefore it wasn’t done that often and only…

Read

Addressing the discontent in content marketing

Last week, I had the pleasure of speaking at Kaizen’s Fintech breakfast seminar on the subject of content marketing. Pete Reis-Campbell gave an excellent talk sharing real world practical advice that any marketer could take away and immediately action – a rarity in the world of conferences these days. Check out Pete’s key takeaways here….

Read

Hey, good lookin’, what ya got cookin’?

At TotallyMoney, we face a set of challenges that I am certain are not unique to our company. Data is not easily accessible to everyone because our data infrastructure is complex, which means that complex queries have to be written even for the simplest of analyses.  Because most people do not have the technical skills…

Read

Do customers really think in terms of cards or loans?

Visit any price comparison website and you will quickly be funnelled into a comparison of either credit cards or loans. They are treated entirely separately and assume that the customer has a clear need for one product type or the other.   Break with Tradition There are obvious differences between credit secured from a loan…

Read