There are few financial moments more disheartening than checking your credit report and seeing an error. It could be a small typo in your address, a debt you paid off years ago still showing as active, or—most worryingly—an account you don’t even recognise. Your heart sinks. A single mistake, no matter how small, can be the difference between getting the …

Welcome to one of the most frustrating paradoxes in the world of finance: you need a credit history to get credit, but you need to get credit to build a credit history. This “Catch-22” can feel like an impossible puzzle, especially if you’re a young person just starting, someone new to the UK, or you’ve simply always preferred to use …

We hear about it all the time. That mysterious, all-important number that lenders use to judge us: the credit score. It can feel like a school report for adults, a grade that follows you around. But what does having a “good” score actually mean in the real world? Does it just make getting a loan easier, or are the benefits …