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.
Credit Building
CreditLadder, assessed: what reporting your rent to three agencies does, and what the contract says it cannot
A rent-reporting service whose front page promises an improved credit file and whose terms promise a record that may cut either way. Assessed on the published documents, not the proposition.
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.