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The UK's largest credit reference agency Experian has changed the way it calculates people's credit scores – meaning many scores suddenly dropped or increased overnight. We've had many people contact us about this, yet the big picture is you don't need to worry – this doesn't impact how lenders will assess you.

Paying water bills on time could help you get a credit card, loan or mortgage, but missing payments may have a disastrous effect.

Late rent payments could appear on your credit file in the coming months, which could harm your chances of getting a mortgage, loan, credit card or tenancy agreement.

Consumers can now get permanently free access to their credit report, which can tell them if they're likely to be accepted for a credit card, loan or mortgage.

Half of credit card and loan applicants may not get the advertised rate from next month under new European rules that weaken consumer protection.

Consumers trying to view their credit report online have complained of being unable to get instant access, despite new rules aimed at making it easier to view your file.

Consumers can now get online access to their statutory credit report from all three credit reference agencies.

Borrowers are missing out on the best deals and paying too much for credit due to cracks in the application process, MPs were told today.