Credit scores explained: what actually moves yours
There's no single UK credit score, and lenders don't see the one you do. What actually affects your score — and the myths that waste your time.
All Borrowing & debt guides
Car finance compensation: are you owed money, and what to do now
12.1 million car finance agreements may be owed compensation averaging £830. Here's how to claim free — and why you should never pay a claims firm.
Read the guide →Which debt to clear first
When you owe in several places, the order matters — and it's not the biggest balance first. How to decide, using danger and interest cost.
Read the guide →Buy Now Pay Later explained
Klarna, Clearpay and co. split a purchase into interest-free instalments — but it's still debt. How it works, the risks, and the new July 2026 rules.
Read the guide →0% balance transfer cards explained
A 0% balance transfer freezes the interest on card debt for years. How they work, what the fees really cost, and the traps that catch people out.
Read the guide →Overdrafts: how they really cost you
An overdraft feels like part of your account, not a loan — which is why it's easy to overpay. At around 40%, one of the priciest ways to borrow.
Read the guide →How credit card interest really works (and the minimum-payment trap)
Used well, a credit card is free borrowing with purchase protection. Used badly, it's costly. The few rules that decide which one you get.
Read the guide →Not sure where to start?
Try the credit-card payoff calculator — it takes moments.