Matt Oliver
Lead Credit Risk Analyst
With a background is credit risk management, Matt specialising in understanding how people access credit and the challenges they face. They share insights to help borrowers make informed decisions, manage risk and borrow safely with confidence.
29 May 2025
Ways to Borrow Safely
Ways to borrow safely If you find yourself needing to borrow some money, it can be hard to weigh up the options available to you. Here we give you a quick overview of some of the more common ways, how they work and what you might want to think about. By Matt Oliver Created –...
29 May 2025
Differences Between Hard And Soft Credit Checks
‘Soft’ and ‘hard’ credit checks – what impacts your credit score? In this guide, we explain how ‘soft’ and ‘hard’ credit checks work, what sets them apart and how to use them to improve your credit score. By Matt Oliver Created – 17 April 2025 Estimated read time: 3 mins Vanquis offers ‘hard’ and ‘soft’...
More from this author
What is a CCJ?
If you fall behind on debt and it goes to court, you could be issued with a County Court Judgment (CCJ). In this guide, we explain what a CCJ is, how to check if you have one and what you can do to deal with it...
What is an IVA?
An Individual Voluntary Arrangement (IVA) is a formal agreement to help you repay debt in a manageable way. Here’s an overview of how IVAs work, who they’re suitable for and what to consider before going ahead - plus the pros, cons and alternatives...
What is a credit limit?
We explain what a credit limit is, how it's set, what happens if you go over it and how you can adjust it. Whether you're looking to increase your credit limit or simply manage your spending, here’s all the important info....
What is an APR?
Our useful guide explains how an APR works, the difference between APRs and interest rates and how to compare offers. Plus, we cover the different types of APRs - like variable and fixed rates - so you can make informed decisions before applying for credit....
