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A Direct Debit is an agreement made with an organisation that means they can directly charge your bank account. Do direct debits improve your credit score? The short answer: Yes! But there are some caveats to be aware of.

In 2013, the Government introduced Universal Credit to replace and combine six benefits. It is now claimed by more than 2 million people in the […]

If you owe money to someone and they take court action against you, you may end up with a County Court Judgement on your credit report. But what is a CCJ?

It’s important to build up a good credit reputation while you’re still young, as it could be a deal-breaker when it comes to renting a […]

You need some cash, but which is the better option for your needs – a credit card or loan? If you only need a small […]

Put quite simply, if you have an “account in arrears”, it means that at least one payment is overdue. You’ll know how many payments are […]

If you do not pay arrears on an account, the lender considers you to have “defaulted”. What will happen is this: The lender cancels the […]

One of the six Credit Factors on Credibble’s 24-Factor Credit Check is based on your use of credit cards. A credit card can be a […]

If you are someone with no credit history, you’re not alone. Many people won’t have thought much about building their credit – not everyone has […]

You may not realise it, but managing credit is a key life skill. You may be asking, “Does my credit file matter? And what value […]