Credit rating

From 1 September, shoppers using Laybuy's buy now, pay later (BNPL) services will have their repayment data shared with the UK's biggest credit reference agency, Experian. 

Monzo has become the first major bank to launch its own buy now, pay later (BNPL) scheme. The bank's 'Flex' service enables its current account customers to make interest-free repayments in three instalments over three months on purchases worth between £30 and £3,000. But interest of 19% APR will be charged if you need to repay in more than three instalments. Here's what you need to know. 

Some customers of credit history-building tool Loqbox have had personal and financial data compromised after the firm was hit by a "sophisticated and complex" cyber attack.

Credit report heavyweight Equifax has warned that up to 400,000 UK consumers may have had their personal details stolen as part of a massive global data breach. Info on exactly who's been affected and what you can do about it is still somewhat sketchy, but here's what we know.

'It's your financial CV. You need to see what it says about you - if it's wrong it can kill cheap mortgages, debt, mobiles, car insurance & more.'

Millions of private tenants can boost their credit rating by opting in to a new scheme that records if you pay rent on time and sends the results to credit reference agency giant Experian.

From today, Barclaycard's 10.5 million customers can access their credit scores for free via Experian, while Tesco Bank customers with its Foundation credit card can do the same from this week via reference agency Noddle.

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.

Worried former graduates whose loans are owned by Erudio have taken to our forum to raise questions about when their loans will be wiped, whether they can pay them off early, and the impact this will have on their credit files. We answer these questions below.