Back in 2010, Money Clinic listener Kalyan bought an iPad with a monthly 3G subscription. Thirteen years later, that long-forgotten purchase might stop him from getting a decent rate on his mortgage. It’s a story that shines a light on how credit rating agencies score you and how things can easily go wrong. Host Claer Barrett hears from Sara Williams, who runs Debt Camel, a blog and popular Instagram account, as well as James Jones, head of consumer affairs at Experian, one of the UK's main credit reference agencies.

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UK watchdog calls for reform of credit rating market

How to improve your credit score

If you would like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help.

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Presented by Claer Barrett. Produced by Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.

Read a transcript of this episode on FT.com

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