Credit-builder products, assessed
Cards and accounts sold on the promise of improving a credit file. Assessed on what they demonstrably do, what they cost, and who they are actually for.
The Archive
Soft-search eligibility checks are useful — and widely misunderstood
An eligibility check will not damage your credit file. It also does not commit a lender to anything, and the percentage it shows you is not a promise.
The UK personal loan, assessed from the cost of credit outward
The most conventional borrowing product on the British market, assessed on disclosure quality, exit terms and what the advertised rate does not tell an applicant.
Representative APR still misleads more than it informs
The advertised rate must be available to just over half of successful applicants. Almost everyone reads it as the rate they will be offered.
