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Credit, History & Scoring

Basic Bank Accounts
Find out which banks and building societies offer basic bank accounts and what services you can expect to get from them.

What's types of cards are available and how are they different, why were they launched and where can I get them? Just some of the questions answered in this article.

Ever wondered what the different types of bank accounts are - here we explain basic, current and joint accounts as well as what happens to a joint account if you separate from your partner.
Rebuilding Credit
No ‘credit repair’ agencies work miracles – please don’t waste your money on scams like these. Anything they can do you can do yourself very easily. Most do two things:
CIFAS
If you have lost or had identification documents stolen then you really need to know about how CIFAs can help you.

Believe it or not your identity is actually worth a lot of money to someone else - you need it to function in everyday life, they need it to fulfill their crime of impersonating you and obtaining credit as well as a service or product - in your name.
Credit Scoring
How to see your file and for free! What to do if the information on it is wrong and how to separate yourself from another household member that may have a bad credit history.

Ever wondered what a charge card is, priority creditor or even a personal guarantee, often referred to as a 'PG'? We explain all in simple terms.

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Mike Thomas aka the 'DebtWizard' helps individuals overcome their debt problems.

Mike writes all the articles found on this site.