Reviews of various credit cards, loans and services I have used over the years. Written from the perspective of someone who struggles with debt and gets in to trouble.
Applying for a mortgage with adverse credit is never straightforward. What you do expect, however, is a lender applying its own criteria correctly and being clear about how decisions are made. In this case, my experience with Precise Mortgages fell short on both fronts. Background to the Application I submitted a mortgage application through a…
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)….
I have been using ClearScore for several years as a way to check my credit report for free, so I thought it would be worth sharing my experience. I briefly mentioned ClearScore in my article about where to get a free credit report, but in this post, I wanted to go into a bit more…
In this post I am sharing my experience with a car finance provider called Carmoola. I used them to refinance an existing car loan and wanted to see if I could reduce the interest rate I was paying. I first came across Carmoola through Experian and decided to visit their website to see what they…
This is my review of CheckMyFile.com, a service that provides access to your credit reports from the UK’s main Credit Reference Agencies for a monthly fee. There are, of course, free ways to access your credit report if you go directly to each agency. However, I still think there is some value in using CheckMyFile,…
I recently opened a credit card with Onmo and wanted to share my experience so far. This isn’t a technical product breakdown or an affiliate-style review. It’s simply what happened after opening the account and why it raised some concerns. Opening the Account I opened the Onmo credit card in August 2025 with an advertised…