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.

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.

Consumers will soon be able to 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.