{"id":27580,"date":"2023-08-16T12:36:23","date_gmt":"2023-08-16T12:36:23","guid":{"rendered":"https:\/\/www.lendingstream.co.uk\/blog\/?p=27580"},"modified":"2023-08-16T12:36:25","modified_gmt":"2023-08-16T12:36:25","slug":"how-to-build-credit-at-18","status":"publish","type":"post","link":"https:\/\/www.lendingstream.co.uk\/blog\/how-to-build-credit-at-18\/","title":{"rendered":"How To Build Credit At 18? [9 Best Tips]"},"content":{"rendered":"\n<p>Building credit history is a crucial step towards financial independence and stability. When you turn 18, you have the opportunity to start establishing your creditworthiness, which will impact your ability to get <strong><a href=\"https:\/\/www.lendingstream.co.uk\/loans\/\" target=\"_blank\" rel=\"noreferrer noopener\">loans<\/a><\/strong>, and credit cards, and even affect your future job prospects and housing opportunities. This introduction will provide you with essential tips on how to build a strong credit history and set yourself up for a bright financial future.<\/p>\n\n\n\n<p>In this guide, we will delve into the various ways you can start building credit, even if you have little or no credit history at the beginning. We&#8217;ll explore the importance of opening a credit card, being cautious with your own credit card utilization, and avoiding excessive debt.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-69f2fc8c29a6f\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-69f2fc8c29a6f\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/how-to-build-credit-at-18\/#how_to_build_a_good_credit_history_at_18\" >How to build a good credit history at 18?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/how-to-build-credit-at-18\/#1_register_on_the_electoral_roll\" >1. Register on the electoral roll<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/how-to-build-credit-at-18\/#2_open_a_bank_account\" >2. Open a bank account<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/how-to-build-credit-at-18\/#3_consider_credit_builder_cards\" >3. Consider credit builder cards<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/how-to-build-credit-at-18\/#4_avoid_payday_loans\" >4. Avoid payday loans<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/how-to-build-credit-at-18\/#5_join_a_credit_union\" >5. Join a credit union<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/how-to-build-credit-at-18\/#6_use_mobile_phone_contracts\" >6. Use mobile phone contracts<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/how-to-build-credit-at-18\/#7_apply_for_a_small_overdraft\" >7. Apply for a small overdraft<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/how-to-build-credit-at-18\/#8_use_a_secured_credit_card\" >8. Use a secured credit card<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/how-to-build-credit-at-18\/#9_become_an_authorized_user\" >9. Become an authorized user<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/how-to-build-credit-at-18\/#what_are_the_advantages_of_building_good_credit_at_18\" >What are the advantages of building good credit at 18?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/how-to-build-credit-at-18\/#how_can_you_check_your_credit_score\" >How can you check your credit score?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/how-to-build-credit-at-18\/#1_credit_reference_agency_websites\" >1. Credit reference agency websites<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/how-to-build-credit-at-18\/#2_credit_monitoring_services\" >2. Credit monitoring services<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/how-to-build-credit-at-18\/#3_banks_and_financial_institutions\" >3. Banks and financial institutions<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/how-to-build-credit-at-18\/#conclusion\" >Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/how-to-build-credit-at-18\/#faqs\" >FAQs<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/how-to-build-credit-at-18\/#can_i_build_credit_if_i_have_a_student_loan\" >Can I build credit if I have a student loan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/how-to-build-credit-at-18\/#how_to_use_my_rent_payments_to_improve_my_credit_score\" >How to use my rent payments to improve my credit score?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/how-to-build-credit-at-18\/#how_do_i_check_my_credit_history\" >How do I check my credit history?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"how_to_build_a_good_credit_history_at_18\"><\/span><strong>How to build a good credit history at 18?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"532\" height=\"399\" src=\"https:\/\/www.lendingstream.co.uk\/blog\/wp-content\/uploads\/2023\/08\/How-to-build-a-good-credit-history-at-18.jpg\" alt=\"How to build a good credit history at 18\" class=\"wp-image-27581\" srcset=\"https:\/\/www.lendingstream.co.uk\/blog\/wp-content\/uploads\/2023\/08\/How-to-build-a-good-credit-history-at-18.jpg 532w, https:\/\/www.lendingstream.co.uk\/blog\/wp-content\/uploads\/2023\/08\/How-to-build-a-good-credit-history-at-18-300x225.jpg 300w, https:\/\/www.lendingstream.co.uk\/blog\/wp-content\/uploads\/2023\/08\/How-to-build-a-good-credit-history-at-18-80x60.jpg 80w, https:\/\/www.lendingstream.co.uk\/blog\/wp-content\/uploads\/2023\/08\/How-to-build-a-good-credit-history-at-18-265x198.jpg 265w\" sizes=\"(max-width: 532px) 100vw, 532px\" \/><\/figure>\n\n\n\n<p>Building a good credit history at 18 requires responsible financial habits and consistent behaviour. Here are ten effective ways to achieve this goal:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_register_on_the_electoral_roll\"><\/span><strong>1. Register on the electoral roll<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Being on the electoral roll at your current address helps verify your identity and boosts your credit score. Lenders use this information as part of their identity verification process and to establish your stability.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_open_a_bank_account\"><\/span><strong>2. Open a bank account<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Having a bank account helps you establish a credit, shows you have a reliable, ongoing relationship with a bank, and it can help you manage your money and pay your bills on time.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_consider_credit_builder_cards\"><\/span><strong>3. Consider credit builder cards<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>In the UK, credit builder credit cards are specifically designed to help individuals build or rebuild their credit history. These cards often have higher interest rates, but they offer a chance to prove your creditworthiness.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4_avoid_payday_loans\"><\/span><strong>4. Avoid payday loans<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><strong><a href=\"https:\/\/www.lendingstream.co.uk\/loans\/payday-loans\/\" target=\"_blank\" rel=\"noreferrer noopener\">Payday loans<\/a><\/strong> can have a detrimental impact on your credit history. Lenders view reliance on payday loans as a sign of financial instability. Opt for other credit options or seek financial advice if needed.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"5_join_a_credit_union\"><\/span><strong>5. Join a credit union<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Credit unions offer various financial products, including credit builder loans and credit cards. They can be more flexible in their lending criteria and can provide opportunities to build credit.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"6_use_mobile_phone_contracts\"><\/span><strong>6. Use mobile phone contracts<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Some mobile phone contracts report payment history to <strong><a href=\"https:\/\/www.lendingstream.co.uk\/blog\/credit-reference-agencies\/\" target=\"_blank\" rel=\"noreferrer noopener\">credit reference agencies<\/a><\/strong>. Paying your phone bills on time can contribute positively to your credit history.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"7_apply_for_a_small_overdraft\"><\/span><strong>7. Apply for a small overdraft<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>If you have a current account, consider applying for a small overdraft facility. Use it responsibly and avoid exceeding the limit to demonstrate good money management.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"8_use_a_secured_credit_card\"><\/span><strong>8. Use a secured credit card<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><strong>Using a secured credit card to build credit at 18 can be a smart and effective strategy. <\/strong>A secured credit card is a type of credit card that requires you to make a refundable security deposit as collateral. The credit limit is typically equal to or slightly higher than the amount of the deposit you put down.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"9_become_an_authorized_user\"><\/span><strong>9. Become an authorized user<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Ask a family member or guardian with a good credit history to add you as an authorized user on one of their credit cards. As an authorized user, you can benefit from their positive credit history, helping establish your own credit.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"what_are_the_advantages_of_building_good_credit_at_18\"><\/span><strong>What are the advantages of building good credit at 18?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>With a decent credit score early on, you can obtain various benefits in your adult life. Noteworthy ones include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Lower interest rates:<\/strong> With a good credit score, you&#8217;re more likely to qualify for lower interest rates on credit cards and loans. You can also avail yourself of other credit lines that weren\u2019t accessible to you before.<\/li>\n\n\n\n<li><strong>Improved rental opportunities:<\/strong> Many landlords and property management companies review applicants&#8217; credit histories when considering rental applications. Having <strong><a href=\"https:\/\/www.lendingstream.co.uk\/blog\/what-is-a-good-credit-score-uk\/\" target=\"_blank\" rel=\"noreferrer noopener\">good credit<\/a><\/strong> increases your chances of being approved as a tenant.<\/li>\n\n\n\n<li><strong>Lower insurance premiums:<\/strong> In some cases, insurance companies use credit-based insurance scores to determine premiums. A good credit score indicates to insurers that you are a responsible individual, less likely to file claims or default on premium payments.<\/li>\n\n\n\n<li><strong>Higher credit limits:<\/strong> A good credit history grants confidence in your lenders to grant you more. You can increase your mortgage or car loan to get more desirable products, without the worry of excessive fines.<\/li>\n\n\n\n<li><strong>Employment opportunities<\/strong>: Certain employers, particularly those in financial or sensitive industries, may conduct <strong><a href=\"https:\/\/www.lendingstream.co.uk\/blog\/credit-check\/\" target=\"_blank\" rel=\"noreferrer noopener\">credit checks<\/a><\/strong> as part of their hiring process. Good credit can positively impact your employability, as it reflects your financial responsibility and trustworthiness.<\/li>\n\n\n\n<li><strong>Easier utility connections:<\/strong> Utility companies, such as electricity, gas, and internet providers, may check credit when setting up new accounts. Good credit can lead to faster approvals and eliminate the need for hefty security deposits.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"how_can_you_check_your_credit_score\"><\/span><strong>How can you check your credit score?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>You can check your credit scores and credit rating through various methods. Here&#8217;s how you can do it:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_credit_reference_agency_websites\"><\/span><strong>1. Credit reference agency websites<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>The three major credit bureaus in the UK are <strong><a href=\"https:\/\/www.lendingstream.co.uk\/blog\/experian\/\" target=\"_blank\" rel=\"noreferrer noopener\">Experian<\/a><\/strong>, <strong><a href=\"https:\/\/www.lendingstream.co.uk\/blog\/equifax\/\" target=\"_blank\" rel=\"noreferrer noopener\">Equifax<\/a><\/strong>, and <strong><a href=\"https:\/\/www.lendingstream.co.uk\/blog\/transunion\/\" target=\"_blank\" rel=\"noreferrer noopener\">TransUnion<\/a><\/strong>. Each agency has its own website where you can sign up for an account and access your credit scores. You may need to provide personal information to verify your identity.<\/p>\n\n\n\n<p>Once you&#8217;ve registered, you should be able to view your credit scores and credit reports.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_credit_monitoring_services\"><\/span><strong>2. Credit monitoring services<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Several credit monitoring services in the UK offer access to your credit scores and credit reports. Some popular services include Credit Karma and ClearScore. You can sign up for these services for free and get regular updates on your credit scores and any changes to your credit report.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_banks_and_financial_institutions\"><\/span><strong>3. Banks and financial institutions<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Some banks and financial institutions provide their customers with access to credit scores through their online banking portals or mobile apps. Check with your bank to see if they offer this service and how you can access your credit scores.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>In conclusion, building a good credit history at 18 is a crucial step towards financial independence and stability. By following key strategies such as opening a credit card, making on-time payments, keeping credit utilization low, and diversifying credit types, young adults can establish a strong foundation for their creditworthiness.<\/p>\n\n\n\n<p>Being responsible with credit at a young age not only grants access to better credit opportunities but also impacts various aspects of life, including employment prospects, housing options, and insurance premiums.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"faqs\"><\/span><strong>FAQs<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1692189160061\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"can_i_build_credit_if_i_have_a_student_loan\"><\/span><strong>Can I build credit if I have a student loan?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p><strong>Yes, having a student loan can help you build credit.<\/strong> Student loans are considered instalment loans, and responsibly managing these loans can have a positive impact on your credit history and credit score.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1692189169189\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"how_to_use_my_rent_payments_to_improve_my_credit_score\"><\/span><strong>How to use my rent payments to improve my credit score?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>You can utilise your rent payments to improve your credit score by enrolling in a trustworthy rent reporting service. Once enrolled, the service will verify your on-time rent payments with your landlord and report this positive payment history to UK credit reference agencies.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1692189186033\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"how_do_i_check_my_credit_history\"><\/span><strong>How do I check my credit history?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Once a year you can get a free Experian credit report or request credit reports from Equifax and TransUnion.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n<p><strong>Disclaimer:<\/strong> The information given above is provided for reference only. This is not financial advice.<\/p>\n\n\n\n<p><strong>Related guides:<\/strong><\/p>\n\n\n\n<p><a href=\"https:\/\/www.lendingstream.co.uk\/blog\/why-has-my-credit-score-gone-down\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Why Has My Credit Score Gone Down<\/strong><\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/www.lendingstream.co.uk\/blog\/what-does-your-credit-score-start-at\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>What Does Your Credit Score Start At<\/strong><\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/www.lendingstream.co.uk\/blog\/why-is-my-credit-score-different-on-different-sites\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Why Is My Credit Score Different On Different Sites<\/strong><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Building credit history is a crucial step towards financial independence and stability. When you turn 18, you have the opportunity to start establishing your creditworthiness, which will impact your ability to get loans, and credit cards, and even affect your future job prospects and housing opportunities. This introduction will provide you with essential tips on [&hellip;]<\/p>\n","protected":false},"author":48,"featured_media":27583,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[267],"tags":[],"class_list":["post-27580","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-loans"],"_links":{"self":[{"href":"https:\/\/www.lendingstream.co.uk\/blog\/wp-json\/wp\/v2\/posts\/27580"}],"collection":[{"href":"https:\/\/www.lendingstream.co.uk\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.lendingstream.co.uk\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.lendingstream.co.uk\/blog\/wp-json\/wp\/v2\/users\/48"}],"replies":[{"embeddable":true,"href":"https:\/\/www.lendingstream.co.uk\/blog\/wp-json\/wp\/v2\/comments?post=27580"}],"version-history":[{"count":2,"href":"https:\/\/www.lendingstream.co.uk\/blog\/wp-json\/wp\/v2\/posts\/27580\/revisions"}],"predecessor-version":[{"id":27584,"href":"https:\/\/www.lendingstream.co.uk\/blog\/wp-json\/wp\/v2\/posts\/27580\/revisions\/27584"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.lendingstream.co.uk\/blog\/wp-json\/wp\/v2\/media\/27583"}],"wp:attachment":[{"href":"https:\/\/www.lendingstream.co.uk\/blog\/wp-json\/wp\/v2\/media?parent=27580"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.lendingstream.co.uk\/blog\/wp-json\/wp\/v2\/categories?post=27580"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.lendingstream.co.uk\/blog\/wp-json\/wp\/v2\/tags?post=27580"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}