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Credit Services is the bit people know best — it provides credit-checking services for companies ranging from banks to telecoms companies. Over the past 15 years financial institutions have become increasingly sophisticated in the way in which they handle information — preferring Experian’s credit-scoring techniques and percentage predictions on the likelihood that customers will repay their debts, to plain-old intuition.

Banks like to launch headline-grabbing savings accounts with a great fanfare, rake in the customers, and then bolt the door and turn away new customers. The next step is almost inevitable: the banks start cutting interest rates on these 'dormant' or 'non-marketed' accounts.

So, pay attention to your interest rate by checking it at least four times a year. Otherwise, you may find that mouth-watering interest rate could be as low as 0.1% a year before tax

Tags:
Credit scoring Techniques
Financial Institutions
Non-marketed accounts