If your credit score isn’t moving, it can be frustrating. Here, we’ll take a closer look at seven reasons your credit score might not be going up.
Curious about how Zilch works? We’ll break it down for you here. Keep reading to learn how Zilch works and whether you should use it.
Building your credit score can be hard if you have a limited credit history. Read more to learn about 9 of the best credit building cards!
Applying for a job can be hard enough without worrying about your credit score. Read more to learn what to expect when an employer needs to check your credit score.
ClearScore provides one of the easiest ways to check your credit score, but is it accurate? Keep reading to learn more about what you should know about the service.
Buy now, pay later has some features that make it attractive if you have poor credit. But is it safe to use? Read more to find out!
Wondering whether that loan will help or hurt your credit score? Click to learn more about how much a loan could impact your credit score — and why!
Drafty is growing in popularity, and with that comes questions about how safe it is. Here, we’ll take a closer look at what you should know before borrowing.
Wondering why your score varies across sites? We’ll help you break it down. Keep reading to learn more and improve your score.
Direct debits don’t impact your credit score directly, but they can influence it. Keep reading to learn their real impact on your credit score.
Adverse credit can impact your ability to qualify for loans and other credit products. Read more to learn what you can do about it.
Is Experian safe? Broadly speaking, yes. Read more to learn why and see how you can build your credit score with any credit reference agency.
If you’re wondering what purchase rate is on a credit card, you’re not alone. Keep reading to learn what purchase rate means and why it matters.
When you can’t pay your debts, bankruptcy may provide relief. If you do, how long does bankruptcy stay on your credit report? Read more to find out.
Want to know what affects your credit score in the UK? We’ve got you covered. Read more to learn about five key factors that affect your credit score.
Budgeting is the foundation of healthy personal finance. Keep reading to learn about the top 10 benefits of budgeting.
DROs are a type of debt management solution, but is it right for you? Learn more about a DRO's pros, cons, and everything in between.
Interest-only mortgages have lower monthly payments, but they have other drawbacks to be aware of. Read more to learn about this unique kind of mortgage!
IVAs can give you major debt relief, but they come at a cost to your credit score. Read more to learn about IVAs and if they're right for your circumstances.
Money is a source of stress for many couples in the UK. Here, we’ll share how you can split bills in a way that works for you. Keep reading to learn more!
Being chased for debts is incredibly stressful. When can you legally put an end to it? Keep reading to learn when debt collectors have to call it quits.
PayPal’s credit products can impact your credit score. Keep reading to learn more and see how you can protect your credit score.
Energy bills can be confusing. Here, we’ll explain what it means when your bill says that you’re ‘in debit’ and what you need to do!
Building your credit score without a credit card is easier than you think. Keep reading to see 10 credit-card-free options for building your credit score!
Switching banks can affect your credit score. Keep reading to learn how, and what you can do to minimise any damage from switching banks.
If you’re like millions of other overdraft prisoners, you’re ready to get out of your overdraft for good. Read more to learn five simple steps for doing it.
What a bad credit score is in the UK depends on the credit reference agency giving the score. Read more to learn what a bad credit score means for you!
Improving your credit score is essential for many life goals — but how long does it take? Read more to find out what to expect as you rebuild your credit!
Hard searches can stay on your credit file for two years, but credit is a long-term game. Click to see how you can minimise damage from hard inquiries.
It can affect your finances, but does gambling affect your credit score? Learn how gambling habits indirectly affect credit and how to protect your financial health.
A debt consolidation loan could help you manage your debts. Keep reading to learn if a debt consolidation loan is right for you.
If you’re looking for a new credit card, you might be asking yourself, “What is cashback?” Keep reading to learn more about this type of credit card.
Getting your first credit card is exciting, but it’s also a responsibility. Read more to empower yourself to use your credit card to build your credit score.
The cost of living crisis has the UK asking, ‘Why is my car insurance so high?’ Here’s what’s influencing premium costs and what you can do to save £££.
If you want to know how to close a bank account, keep reading to learn how. Plus, learn how to avoid damaging your credit score when you close your account!
Are you wondering, ‘Should I get a credit card?’ Keep reading to see the five key questions that will help you find out if a credit card is right for you.
What is a secured loan? You might be wondering if you’re improving your home or need to make a large purchase. Keep reading to learn more about secured loans.
If you need a new car, you’ll want to know how car finance works. Read more to learn about the main types of car finance, and learn which is best for you.
Your credit score is one most important factors in your financial life. Do you know enough to keep yours healthy? Check your knowledge here!
Credit card minimum payments can help you protect your credit score, but they can also plunge you into debt. Keep reading to learn how to avoid that.
Are you wondering ‘what is a balance transfer credit card?’ Here, we’ll answer that and help you know if a balance transfer card is right for you.
Knowing how much rent you can afford is vital for a successful budget. Here, our simple calculator tools make it easy to see how much rent you can afford.
Are you wondering how many credit cards you should have? We’ve got answers. Keep reading to learn the benefits and risks of having multiple credit cards.
If you’re wondering, ‘why has my credit score gone down?’ it can be frustrating. Here, we’ll explore 8 reasons your credit score may have dropped!
Are you wondering if a joint credit card is right for you? Read more to learn the benefits and risks of adding cardholders to your credit card account.
Are you wondering if you can get a credit card while self-employed? We’ve got the answers to your questions—keep reading to learn more!
A student credit card is one of the best financial tools you can use. Keep reading to see how you can use one wisely and build your credit score early.
BNPL services like Clearpay have grown in popularity, which has led many people to ask, ‘does Clearpay affect my credit score?’ Keep reading to find out!
Wondering how long a missed payment stays on your credit report? Keep reading for the answers you need to protect your credit score and save money!
Thinking about increasing your credit limit? Read our guide to make sure you’re making a decision that will save you money in the long run!
If you want to automate your bill payments, you should know the difference between standing orders and direct debits. Read more to learn the differences!
Are you headed to university soon? Keep reading to check out some of the best student bank accounts with interest-free arranged overdrafts!
NatWest’s student account is one of the most popular in the UK—but should you sign up for it when you head off to university? Read our review to find out!
The HSBC student account is just one of the many student current accounts available in the UK. Is it right for you? Read our review to learn more!
Entering university? You’ll need a student current account that meets your needs. Keep reading to learn if the Nationwide student account is right for you!
Student loan debt can be overwhelming, but it won’t derail your finances. Read more to find out what happens if you don’t pay your student loans in the UK.
Overdraft charges generate billions of pounds for banks each year. Find out what you need to know about Natwest’s overdraft charges in 2023.
Student overdrafts are a huge benefit while you’re in university. But does a student overdraft affect your credit score? Keep reading to find out!
Maintenance loans help you pay for life’s expenses while you attend university. Keep reading to learn more about maintenance loans in the UK!
The Santander student account has useful benefits, but some drawbacks as well. Keep reading to learn if it’s the right student account for you!
Understanding what affects your credit score is vital for building credit. Read more to learn about the factors that impact your credit score in the UK.
Premium credit cards may seem like a tempting offer, but are the costly annual fees worth the benefits? Keep reading to find out!
Borrowing for the first time can be intimidating. Here, we’ve broken borrowing down so you can make the best decision for your circumstances.
Klarna is a popular way of splitting up or delaying payments, but using Klarna could put your credit score at risk. Keep reading to find out how.
Are you looking for housing in London but running into issues with credit checks? Check out these tips that you may not know about!
Improving your credit score is a key part of long-term financial health. Read more for a 3-month credit-building action plan to get your score moving up.
As the BOE raises the base rate again, mortgage holders with variable interest rates are feeling the consequences first hand. Keep reading to learn why.
Building credit when you’re new to the UK can be hard, but it is possible, and you don’t even need a credit card to get started. Read more to learn how.
Side-hustles are common in the UK for earning extra income. But what are the best side hustles, and how can they benefit you? Learn more here.
Paying off certain debts during a recession could actually expose you to more risk. Read more to learn the best debts to pay off during a recession.
With a recession looming, you may be worried about how it will affect you. Try following these five savvy tips to stay prepared!
Recessions can lead to anxiety and uncertainty about your finances. Read more to learn what a recession is and how it might affect you.
Are you considering taking out a secured line of credit? Read this first to fully understand the risks that are involved with secured loans.
Need money fast? Read this before taking out a payday loan in the UK
When you apply for credit, it’s key to know the impacts of hard and soft credit inquiries. Read more to learn about the different types of credit checks.
Debt consolidation is one technique for debt management. Learn more to see how it can impact your credit score in this blog from Pave.
Opening a bank account can provide you with a lot of benefits, but does doing so come with any drawbacks for your credit score? Keep reading to find out.
Does the news about rising interest rates have you concerned or confused? Keep reading to learn what the Bank of England base rate rise might mean for you.
Overdrafts are common in the UK, but do you really know what the consequences of an overdrawn account are? Keep reading to learn more.
Getting out of debt can be overwhelming at first, but with the right techniques, anyone can do it. Read more to learn how to get out of debt in the UK.
Understanding the different types of interest can be confusing. In this post, we share simple explanations & examples so you can confidently build credit.
If you’re renting for the first time, you may be required to have a guarantor. Learn what a guarantor is and when you need one here.
BNPL Meaning: BNPL stands for buy now, pay later. Read more to learn about how BNPL works and how it impacts your credit.
Find out will happen if you can’t pay off your credit cards & how you can start rebuilding your credit today!
Credit card interest rates in the UK are much higher than other types of loans. Why is my APR so high? Learn more here!
Your APR determines how much interest your credit card charges accumulate. Read more to learn what a good APR is and why you shouldn’t carry a balance.
Did you know you can start building credit once you turn 18? These tips and tricks will help you start early and gradually build a strong credit score.
Sainsbury’s and Tesco both offer credit cards - but which is better for building your credit score? Read more to make an informed decision.
BNPL is becoming increasingly popular. Read more to find out the difference between BNPL catalogues and BNPL schemes like Klarna.
Been refused credit? We feel your pain. Read more to learn about declined lines of credit, and how to avoid this in the future.
Credit cards can be intimidating, but with the right habits, you can use them to effectively build your credit score. Read our tips and tricks here.
Did you know that 60% of BNPL customers are worried about the impact on their credit score? Keep reading for more insights from Pave's survey.
Buy now, pay later cards are gaining popularity in the UK. Learn more about the differences between BNPL cards and traditional credit cards here!
Read more to learn the effect of Universal Credit on your credit score. Also find out the 5 quick ways to improve your credit rating.
Students and grads, here are 5 quick reasons why finances and credit scores should be at the top of your priority list in 2022!
Building credit isn’t a piece of cake! Here's a short guide to understanding and improving your credit score as a student and graduate.
Becoming financially fit isn’t easy, but it’s within your reach. Read more to learn 9 tips to build your credit and become financially fit.
We're thrilled to launch the new Pave app - our same easy-to-use interface, now with exciting new features.
Credit builder loans help people with no credit or poor credit to build their positive payment history. Learn if this option is right for you.
Understanding credit utilisation can be tricky, but learn all about how to understand what credit utilisation is here.
Looking to improve or build your credit? Check out these credit builder apps, accounts, and checkers that can give you a head start!
A notice of correction can be used to explain certain circumstances on your credit report. Learn about this here!
Looking for a credit builder card for bad credit? We've compiled the ultimate guide so you can make an informed decision. Learn more about them here!
Looking to get started building your credit in 2022? Start with these credit builder apps, cards and loans to get a head start!
Being on the electoral roll is an easy way to improve your credit score. Find out how with this guide from credit builder app Portify.
There's no magic credit score that can get you the mortgage you want, but find out how to build your credit score for a mortgage in the UK!
Ever wondered what it takes to get a personal credit line in the UK? Learn more about the important steps you can take to achieve financial flexibility.
Have you thought about applying for a credit card or loan? Learn what to expect when using the Halifax credit checker to apply for loans or credit cards.
Repairing a bad credit score can be tricky! Learn how to repair bad credit in the UK here!
Credit builder cards are a specific category of credit cards designed to help you build credit. Are they worth your time and money? Find out more.
Good credit is essential in order to make any major purchase in life: car, house, businesses, etc. Start building credit the right way, early. Here's how.
A credit reference agency stores financial data about you to help lenders decide your creditworthiness. Learn more about this here!
Do you know the average credit score in the UK? Start here if you’re planning to move to the UK and need to build credit.
Equifax has recently changed its credit score range, so your credit score will most likely have changed too! Read more here.
Will a good credit score save you 50p? £500? £5,000? More? As a company, Pave is committed to building credit scores to help our customers save money.
Overdraft changes in 2020 mean that using your overdraft in 2022 might have become more expensive! Find out what the changes mean here.
Ever wondered what credit score is needed to buy a car in the UK? The answer is not so clear cut. Learn more about this topic here!
Learn about building your credit score, what credit score you need for a phone contract, and key steps to financial freedom.
The Nationwide FlexPlus Account and FlexPlus overdraft are popular products in the UK, but are they still worth it after recent changes? Learn more here.
Getting car financing with no credit check might sound good, but it has its risks. Keep reading to learn more about financing a car without a credit check.
Have you ever worried about whether or not you’ll be accepted for a loan? Follow these steps to increase your chances of acceptance!
As the financial outlook continues to evolve in 2021, it’s important to stay updated. Learn everything you need to know about Barclays overdraft here.
The number of self employed jobs grew in 2020 in the UK. Learn about what it means to be self employed and the best opportunities for work in 2022 here!
A default is what happens when you fail to make the repayments on a debt. Keep reading to learn more about how to recover from a default.
County Court Judgements (CCJ) are on the rise. Learn how you can remove a CCJ from your credit report and all the ways a CCJ impacts your credit score here.
Have you ever wondered how long a CCJ stays on your credit file and what the effects of one are? Learn more about this important topic here!
County Court Judgements (CCJ) are on a historic rise in 2021. How long does a CCJ last and what is the impact? Learn more here!
Have you ever wondered if there are any protections or laws against rent increases in the UK? Learn more about this relevant topic here.
Buying property and real estate is a goal for many and a good investment idea. Learn more about the most effective ways to save money for your first home.
Renting a flat with bad credit can be tricky in the UK. Is it impossible? Find out more about how to gain access to housing, here!
Homeownership has many benefits but is it possible to buy a home with bad credit? Learn more on how to get a mortgage with bad credit here.
A lot has changed around what fees landlords are allowed to charge when renting in the UK. Learn the most up-to-date info here!
Obtaining approval for a mortgage loan can be stressful, especially with bad credit. Are there mortgage lenders that don’t need credit scores?
London is one of the greatest cities in the world. But is it still possible to live here on a tight budget? Learn more here!
Credit builder cards may not always be the only option to build credit. Check out these useful credit builder card alternatives!
The new year is a perfect time to perform a credit fix and plan for a new year of finances. Learn 8 tips to get your credit fixed in 2022, here!
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