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The Credit QuestionBorrowing, scored and explained

Article index

All 12 articles on The Credit Question, by section.

Scores & Files

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The score you are shown is not the score lenders useAug 11, 2026
Utilisation matters more than most people expectAug 9, 2026

Borrowing

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Affordability assessment is not the same as a credit checkAug 5, 2026
Buy now, pay later is credit, and it is starting to showJul 16, 2026
Applying for credit leaves a mark, and clustering makes it worseJul 6, 2026

Credit Cards

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How credit card interest is actually calculatedJul 31, 2026

Repayment

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Balance transfers work until the promotional period endsJul 29, 2026
The order to repay debts in, and why people argue about itJul 25, 2026
What to do first when the payments stop being affordableJul 12, 2026

Errors & Disputes

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How to get an error off your credit fileJul 23, 2026

Protection

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Guarantors and joint borrowing carry the whole debtJul 19, 2026
Protecting a credit file against fraudJul 9, 2026