News: Experian is shaking up its Credit Score, millions will see theirs drop
Test your Credit Eligibility Rating!
 9 need-knows to become more irresistible to mortgage, credit card, overdraft, loan, mobile contract providers & more

The rise in the cost of living has left fiscal bags under many eyes. And less disposable income makes you less attractive to lenders, making acceptance for the cheapest products harder, which adds to your costs... rinse & repeat.

So, the job of understanding and managing your creditworthiness is a crucial piece of financial admin. A start point is the free MSE Credit Club or, easier, do it via the MSE iOS | Android App. It gives you a bespoke assessment of your personal credit situation.

Credit-checking stretches wider than many assume. It's used most times you get any form of 'credit' - not just obvious debts - but also many things you pay for in advance, such as mobile phone contracts and sometimes energy tariffs. 

I'm writing this today as the biggest UK credit reference agency has announced a change... Experian's Credit Score will soon be out of 1,250, not the current 999, and