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BNPL Regulation: Full FCA Oversight Confirmed
Buy Now Pay Later providers must now perform affordability checks and report to all three credit agencies.
1 Jul 2026
Consumer Credit Act Overhaul
The first overhaul of the 1974 Consumer Credit Act moves rules into the FCA Handbook for greater flexibility.
2 Jul 2026
EconomyUK Unsecured Debt Hits Record £260 Billion
Outstanding unsecured credit balances climbed 5.7% year-on-year, driven by a surge in credit card borrowing.
4 Jul 2026
MortgagesMortgage Rate Volatility Returns as BoE Holds at 3.75%
Geopolitical tensions and stubborn inflation have triggered minor mortgage rate increases across major lenders.
7 Jul 2026
WarningThe 3 Biggest Personal Finance Traps in 2026
BNPL stacking, fixed-rate expiry shock, and pre-contract jargon are costing UK consumers thousands.
9 Jul 2026
Credit CardsFCA Credit Card Rule Changes: What You Need to Know
New FCA rules require lenders to contact persistent debt customers and offer lower-cost repayment options.
4 Aug 2026
Interest RatesUK Interest Rates, Mortgage Lending and Your Credit Score
How the Bank of England's base rate decisions affect your mortgage, credit card APR, and borrowing power.
9 Jul 2026
Base RateBoE Holds Base Rate at 3.75% for July 2026
The MPC voted to hold rates steady. Borrowers on tracker mortgages see no immediate change but SVR risk remains.
Jul 2026
FraudNew Fraud Prevention Measures for UK Banks
Banks must now hold suspicious transfers for up to 24 hours and reimburse APP scam victims within 5 days.
Jul 2026
EnergyEnergy Bills and Your Credit Score: The 2026 Rules
Energy suppliers now report missed payments to credit agencies after just 30 days, down from 60 to 90 days.
Jul 2026
Student LoansStudent Loans and Mortgages: The 2026 Impact
Plan 5 student loan repayments are reducing mortgage affordability for thousands of first-time buyers.
Jul 2026
Car FinanceCar Finance Rejections Rise in 2026
Approval rates for PCP and HP deals have dropped to a four-year low as lenders tighten affordability criteria.
Jul 2026
How to Check Your Credit Report for Free
Access your statutory credit file from Experian, Equifax and TransUnion without paying a penny.
ErrorsCredit Report Errors: How to Find and Fix Mistakes
One in three UK credit files contains an error. Here is how to spot and challenge them.
DisputeHow to Dispute a Credit Report Error
The step-by-step process to challenge incorrect information with the credit agencies.
TemplateFree Credit Report Dispute Letter Template
Download our free template and send a formal dispute letter to the credit agencies.
Late PaymentsHow Long Do Missed Payments Stay on Your Credit Report?
Missed payments stay on your file for six years. Here is what you can do about it.
RemoveCan You Remove Late Payments from Your Credit Report?
In some cases, yes. Find out when and how to request removal of late payment markers.
Score FactorsWhat Affects Your Credit Score the Most?
Payment history, credit utilisation, and account age are the three biggest factors.
UtilisationCredit Utilisation Explained
Keep your balances below 30% of your credit limit to protect your score.
SearchesHard Search vs Soft Search Explained
Only hard searches affect your credit score. Soft searches are invisible to lenders.
AgenciesCredit Reference Agencies in the UK
Experian, Equifax, and TransUnion all hold different data. Check all three.
Build CreditHow to Build Credit History from Scratch
The step-by-step guide for young adults and new UK residents.
CCJ CheckHow to Check if You Have a CCJ
The official ways to check the register and your credit file.
Identity Theft and Your Credit Report
How to spot the warning signs before serious damage is done.
Action PlanWhat to Do If Someone Opens Credit in Your Name
The immediate steps to take if you discover fraudulent accounts in your name.
MonitoringCredit Monitoring: Is It Worth It?
How real-time alerts can catch fraud before it costs you money.
ProtectionHow to Set Up a CIFAS Protective Registration
A £30 flag that tells lenders to do extra checks before approving credit in your name.
EmergencyLost Wallet or Cards: What to Do Immediately
The exact steps to take in the first 24 hours after losing your wallet or cards.
Scam AlertPhishing Scams: How to Spot and Protect Yourself
How to identify and avoid the most common financial phishing attacks targeting UK consumers.
Scam AlertIdentity Theft Scams Targeting UK Renters
How fake landlords are stealing deposits and identities.
Warning SignsHow to Check if Your Identity Has Been Stolen
The 5 warning signs that fraudsters are using your details.
ExplainerIdentity Fraud vs Identity Theft
Understanding the difference and why it matters to your bank.
PreventionHow Fraudsters Steal Your Mail
Mail interception remains a primary method for identity theft.
SecurityThe Dangers of Public Wi-Fi for Your Finances
Why checking your bank balance in a coffee shop is a massive risk.
EmergencyWhat to Do If You Clicked a Phishing Link
Immediate damage control steps to protect your bank accounts.
What Is APR?
The true yearly cost of borrowing and why lenders are required to display it.
Module 2Understanding Interest
APR vs interest rate, Representative APR, and fixed vs variable rates.
Module 3Types of APR
From 0% promotional offers to penalty APRs.
Module 4How APR Is Calculated
The formula, fees included, and the compound interest effect explained.
Module 5Comparing Products
How to use APR to compare loans and why the lowest APR is not always cheapest.
Module 6Real Life Impact
How your credit score determines your APR and the true cost of high interest.
Deep DiveWhat Is EAR?
How the Effective Annual Rate differs from APR for overdrafts and savings.
MortgagesWhat Is APRC?
The specific APR calculation used exclusively for UK mortgages.
WarningHow to Avoid Penalty APR
Simple steps to ensure your interest rate never jumps to 29.99%.
TrapWhy Cash Advance APR Is a Trap
The true cost of withdrawing cash on a credit card.
Balance TransferTrue Cost of a 0% Balance Transfer
Factoring in the transfer fee to find the real APR.
Variable APRWhy Your APR Can Change Without Warning
Understanding the risks of variable APR credit cards.
Mortgage Glossary
Credit Card Glossary
Loans Glossary
Credit Score Glossary
Identity Theft Glossary
Debt Management Glossary
Savings & ISA Glossary
Insurance Glossary
BNPL Glossary
Investing Glossary
APR Glossary
Bankruptcy & Insolvency
Car Finance Glossary
Credit Builder Cards
Pensions & Retirement
Student Finance Glossary
Millions of UK Credit Reports Contain Errors
Check your credit score today for free and find out if hidden mistakes are costing you money on mortgages, loans, and credit cards.
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