Klarna's interest-free options could impact your credit score if you do not make timely payments. And some products involve hard credit checks. So make sure you understand these payment options before using Klarna or any other Buy Now, Pay Later product.

Even though most of us know of the credit score system, what does your credit score mean? Is your score average, should you look to improve it, and how does it impact your access to credit? Discover how credit reference agencies calculate your credit score and the impact this can have on your finances.

Improving your credit rating is a slow process that requires patience. But you can take steps right now to make your financial future better.

Your credit score is a vital piece of information banks and other financial services companies use to make lending decisions about you. So knowing how credit scores work and how you can manage yours will positively affect your finances in the long run.

Your credit score helps lenders decide whether they should give you a mortgage, a phone contract, a credit card, or even a buy now, pay later deal. So, it is imperative that the information credit agencies hold on you is accurate. But how can you be sure?

In recent years, more people have become aware of the importance of their credit score regarding their financial future and managing their finances. Even people over 50 can find their financial situations affected by their credit rating.