What credit score do you need for a mortgage? The UK test
The FCA's mortgage rule sets an affordability test, not a score. We read it beside Experian's, TransUnion's and Equifax's scales, which do not agree.
The Archive
Why has my credit score gone down? Three UK agencies' lists
Experian, Equifax and TransUnion each publish their own reasons a score falls. We set them side by side, with the ICO's route if your file is wrong.
Can I top up my personal loan in the UK? Five lenders' terms
Tesco Bank, HSBC, Barclays, Nationwide and Post Office top-up terms side by side: combined or second loan, history needed, limits, credit checks.
What happens if I miss a personal loan payment in the UK?
The FCA's arrears rules, read in its own Handbook, beside what Tesco Bank and HSBC say happens when a loan payment is missed. No guesswork on fees.
Can I make overpayments on a personal loan in the UK?
Four UK lenders' own pages, read side by side: how you overpay, whether notice is needed, any fee, and whether the term or the payment falls.
Cancel a personal loan after signing? The UK 14-day rule
Yes: Citizens Advice says 14 days to cancel, 30 to repay. Nationwide, Zable and Ocean compared on interest, the 15-day count and your credit file.
Why does my loan settlement figure include 58 days interest?
Settlement figures run above the balance because lenders may add up to 58 days' interest. Five lenders' own wording side by side, and the clause priced.
Why was I offered a higher APR than the representative APR?
The advertised rate is a marketing-rule figure, not your quote. We read FCA rule CONC 3.5 and two live loan pages to show why your APR came out higher.
Subject to status loan meaning: the lender checks you first
Subject to status means no approval yet: a UK lender checks your age, income, credit file and affordability before deciding to lend and at what rate.
Klarna and Clearpay after regulation day, assessed on what each now says about its own permission
Two buy-now-pay-later documents reissued on the day deferred payment credit became regulated. One tells you which agreement governs you; the other tells you what permission it holds. Neither tells you both.
