Credit scoring

This is the example of criteria which can be used for credit scoring:
It can be seen that the older you are, the better credit score.
Marriage person has higher credit score than single
If you have children your credit score also increase.
Time with employer can prove your stable of finance

Age (years)
Marital Status	Single                 Married                 Living with a partner                 Widowed                 Divorced / Separated
Children	Yes                 No
Residential Status	House Owner                  Flat Owner                  Living with Parents                  Council Tenant                  Tenant Unfurnished                  Other
Post Code (first 2 letters )
Time at address (years)
Are you on the electoral register?	Yes                 No
Home landline	Yes                   No
Annual Gross Income (Including benefits)
Time with employer	Unemployed                  Less than 6 months                  7 months to 1 year                  1 to 2 years                  2 to 5 years                  Over 5 years                  Retired                  Other
Time with your bank	Less than 6 months                  7 months to 1 year                  1 to 2 years                  2 to 5 years                  5 to 10 years                  Over 10 years
How many Credit Cards ?
What is your total estimated available credit limit (on all cards and loans - excluding mortgages)?
What is your total estimated outstanding debt (on your credit cards & Loans - excluding mortgage)
Current / cheque account	Yes                 No
County Court Judgement (last 6 yrs)	Yes                 No
Credit Account(s) conduct	I never miss a payment                 I sometimes pay late but never miss a payment                 I miss the occasional payment                 I am or have been in arrears with at least 1 lender                 I regularly miss payments on several accounts                 I don't have any credit accounts

There are a lot of website you can estimate your credit rate such as

http://www.moneyforums.co.uk/credit_score_calculator.php

Learning how to earn money from stock market.

The first thing you need to know that, buying and selling share can earn you money, but you have to pay a lot to acquire a share and required sometime for you to sell it on stock exchange for the price you desire.

If you still want to earn money on stock market then continue reading.

You can choose to invest in spread betting. There will be no transaction where you buy or sell actual shares. It is the gambling you are doing.

How it is different from gambling!

It based on your knowledge of stock, industry and market. If you have study the company well you can predict the movement.

Open range of choices

Spread betting gives you more choices in earning money. You can bet on long position as well as short position. 

Long position means you bet the stock will increase in the future.

Short position means you bet the stock will decrease in the future.

There is no limit since you do not buy the stock. Moreover, if you buy/sell stock, your offer will needed to be matched with others, therefore, no delay. 

How to get out of the bet

You can put on the stop loss for example if company A has shares about 400p, you expect it will increase to 450p. If you are willing to take risk of 30p then you can put the stop loss at 370.

Target match will be 450p.

How it is better than acquire share

• No delays
• No need for matching with others
• You pay amount you bet not the value of shares. You can bet 10p per point or 100 pound per point  is all up to you.
• No limit on amount you bet.
• No capital gain tax
• Lower fee