Our guides give you the facts so you can make an informed choice when you compare credit report options from bureaus and agencies.
Improving a credit score could be key to your financial good health, so follow our top tips to help boost your credit rating and get the deals you deserve.
Find out how your level of debt might positively or negatively affect your credit score, including your debt-to-limit ratio and debt-to-income ratio.
You have the right to access your credit history, but in many cases you have to pay for it. It’s your information, so should it be free to look at it?
When you search for a credit product it’s increasingly common to be offered a soft search (or ‘smart search’) facility. Find out what this means...
Whenever you apply for credit, lenders make numerous checks behind the scenes. Find out why you may’ve been approved or declined and improve your chances.
What happens when you apply for credit? »
Some lenders are willing to do business with people with bad credit ratings, so is a bad credit loan right for you?
Bad credit loans »
If you want a simple, easy-to-manage current account that doesn't require a credit check then a basic bank account could be the option you need.
Find out what the advantages and disadvantages are of cancelling your old credit cards and how it could affect your credit rating.
Cancelling old credit cards »
A credit builder or even a bad credit rating card could be an option if you're struggling to get another card - but make sure you manage it well and look out for high charges that could increase debt.
The Consumer Credit Act (1974) empowers consumers and protects credit card purchases. Find out more about the Act and how it can help you.
Consumer Credit Act »
It makes sense to pay as little as you have to for a loan, so try our tips for cutting the cost of debt and borrowing.
Cutting the cost of debt »
Find out more about ID theft protection, or identity theft insurance as it's also known, and whether you need it.
The government's midata project helps empower consumers' personal finance comparison choices by giving easier access to data held about them and getting it delivered in a more consistent format.
Credit card providers sometimes automatically raise your credit limit. Is this a good thing for customers?
Unsolicited increases to credit card limits »