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.
Credit Files
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.
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.
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.