Credit and Debt

This section is designed to answer a series of frequently asked questions on credit and debt.

Borrowing and debt

• What's the best way for me to borrow? 
• What is APR? 
• What will happen if I get into debt? 
• What special protection do I get if I buy goods or services using a credit card? 
  
• Loan calculator
• Debt test

Credit scoring

• What is credit scoring? 
• Why do lenders use credit reference agencies? 
• Can I find out what information is held on my credit file? 
• What happens if I fail a credit score? 
• Can I find out why I failed the credit score? 
• Is there a credit blacklist, and is my name on it? 
• How do I get incorrect information removed from my credit file? 
• Why are other people's names included on my credit file? 

Putting things right

• What can I do to sort out my debts? 
• What are priority debts? 
• Should I use a 'credit repair' company?