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Money guides
Plain-English guides to credit reports, borrowing, debt and your rights. Written to help, checked against official sources, and free to read.
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Credit reports and scores
What is on your credit file, how to check it for free, and how to put mistakes right.
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Bad credit explained
Missed payments, defaults and CCJs: what they mean, how long they last and how to rebuild.
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Borrowing and its real cost
APR, total repayable, affordability checks and the rules lenders have to follow.
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Credit cards explained
Minimum payments, 0% deals, credit builder cards and persistent debt.
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Money worries and free help
Priority bills, free debt advice, Breathing Space and what to do if you cannot pay.
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Your rights and complaints
Cooling-off, paying early, complaints and the Financial Ombudsman.
Latest money news
Energy debt: government and Ofgem plan a one-off Debt Relief Scheme for spring 2027
The government and Ofgem plan a one-off scheme to write off some energy crisis debt in 2027. It is still a proposal. Who it is for and what to do now.
Former Verus Financial Services customers can now check if they can claim compensation
The FSCS is now taking claims from former customers of Verus Financial Services Limited. Who can claim, how to do it for free, and how to avoid scams.
Budget 2026: a one-off energy payment for homes in council tax bands A to D
The Budget announced a Household Energy Payment for homes in council tax bands A to D in England from January 2027. Who qualifies and what to do.
Car finance compensation on hold until a legal challenge is heard in 2027
The FCA's car finance compensation scheme is paused while a legal challenge is heard in February 2027. What it means for you and how to avoid scams.