If you’re reading this, chances are your credit file isn’t exactly sparkling. Maybe you’ve got defaults, missed payments, or a few accounts that got a bit out of control. I’ve been there. And the frustrating part is this: Fixing your credit rating isn’t about one big move. It’s about doing a lot of small, boring…
Clearpay looks harmless. Split a payment into four, no interest, job done. Until suddenly you’ve got multiple orders, multiple dates, and it all starts slipping. If you’re struggling with Clearpay, you’re not alone. This is one of the most common types of debt people underestimate. Let’s go through what actually happens and what you should…
If you’re struggling with debt, you’ll probably come across two options very quickly: A Debt Management Plan (DMP) An Individual Voluntary Arrangement (IVA) They both sound like solutions. They’re both widely used. And confusingly, they can both be right… or very wrong depending on your situation. So let’s strip it back properly. The Short Answer…
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)….