If you’ve ever signed up to ClearScore, one of the first things you’ll probably wonder is: “How is this actually free?” No subscription. No trial. No “free for 30 days then £14.99 a month” nonsense. Just your credit score and report, sitting there. So what’s going on? The Short Answer ClearScore is free because you…
If you’ve recently had a letter saying your BetterBorrow debt has been sold to Cabot, your first reaction is probably something along the lines of: “Great. Who are these people and why do they now own my problem?” I’ve been there, so here’s a clear breakdown of what it actually means and what you should…
Today I thought it would be good to write a review of the Zable Credit Card. Zable was previously known as Level Card. Personally I think the name Level was better but I digress. As someone who is trying to rebuild my credit the Zable card was a good choice for me (at the time)….
Missing a payment might feel like a small slip. Maybe you forgot, maybe money was tight that month. But on your credit file, it’s recorded as a signal: “This person might not reliably repay what they borrow.” And lenders pay attention to that. What Counts as a Missed Payment? A payment is typically recorded as…
If you’ve ever had to deal with incorrect information on your credit file, you’ll know how frustrating it can be. What’s worse is when the issue has already been investigated, a resolution agreed, and yet the errors continue anyway. That’s exactly what happened in my case with Lloyds Bank. I wrote about my complaint to…
Affordability complaints are often misunderstood. A lot of people assume that if a lender checked your income and ran a credit check, then the lending must have been responsible. I used to think that too. But my experience with Lendable shows why that isn’t always the case. The Loan In April 2025, I took out…