Equifax

Experian will become the second credit reference agency (CRA) after TransUnion to include buy now, pay later (BNPL) data in customer credit files from this summer, MoneySavingExpert.com can reveal. Below we explain how the move may affect your credit file and score.

Peer-to-peer lender Zopa has launched a new free credit-scoring tool which it says will help "demystify" lenders' decisions. But if you're thinking of taking out a loan, always do your own research to make sure you get the best rate. 

Credit reference agency Equifax has been fined £500,000 following an investigation into a hack last year, which compromised more than 15 million UK customer records. 

Almost 700,000 British victims of the Equifax hack are receiving letters offering a free fraud protection service. But you'll need to hand over personal details to get it – and many say the helpline the letter directs you to isn't working properly.

More than 15 million British records were compromised by a hack earlier this year, Equifax has admitted.

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.

I'm writing this because I was shocked... at you, yes you, most of you should hang your heads. In our Jan poll, only 28% had checked their credit file in the last year, and 53% hadn't in 10yrs. This is potentially damaging to your finances - just one error in those files could kibosh them.

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.

If you're planning to buy a latest model phone from O2, be aware that you'll actually be taking out a loan for the handset, which will appear on your credit file and could impact your ability to get credit elsewhere.