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Crossed wires? Do credit score messages lead to harmful financial behaviours?

New CfRC research indicates that some lower-income borrowers are highly sensitive to their credit scores, and this could be negatively impacting their financial behaviours: causing them to prioritise credit repayments over the payment of household bills and other essentials. People in financial difficulty may also be receiving inappropriate messages that encourage them to take on more credit than they can afford.
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News

Crossed wires? Do credit score messages lead to harmful financial behaviours?

New CfRC research indicates that some lower-income borrowers are highly sensitive to their credit scores, and this could be negatively impacting their financial behaviours: causing them to prioritise credit repayments over the payment of household bills and other essentials. People in financial difficulty may also be receiving inappropriate messages that encourage them to take on more credit than they can afford.

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OUR WORK IN NUMBERS
150

Million pounds per year saved for 760,000 payday loan borrowers since 2015 due to our successful campaign to cap the total cost of credit.

1,200,000

Over 1.2 million pounds of additional benefits and debt reductions for users of our Financial Shield project in Lambeth and Southwark

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+ front-line debt advisers now active in our campaign to save face to face debt services from cuts.

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Fair for You: ten years of impact

Over the past decade, Fair for You has transformed the landscape of ethical lending, offering a dignified alternative to high-cost credit and supporting tens of thousands of families to access essential goods, improve their financial wellbeing, and enhance their quality of life. This report quantifies the breadth of social value created, reflects on lessons learned, and includes recommendations for social investors and wider financial inclusion policy.
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Fair for You: ten years of impact

Over the past decade, Fair for You has transformed the landscape of ethical lending, offering a dignified alternative to high-cost credit and supporting tens of thousands of families to access essential goods, improve their financial wellbeing, and enhance their quality of life. This report quantifies the breadth of social value created, reflects on lessons learned, and includes recommendations for social investors and wider financial inclusion policy.
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Financial Shield Process Evaluation

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Financial Shield Process Evaluation

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How do credit scores impact the financial behaviours of lower income households? Qualitative evidence

New CfRC research indicates that some lower-income borrowers are highly sensitive to their credit scores, and this could be negatively impacting their financial behaviours: causing them to prioritise credit repayments over the payment of household bills and other essentials. People in financial difficulty may also be receiving inappropriate messages that encourage them to take on more credit than they can afford.
Download ReportBUY NOW
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How do credit scores impact the financial behaviours of lower income households? Qualitative evidence

New CfRC research indicates that some lower-income borrowers are highly sensitive to their credit scores, and this could be negatively impacting their financial behaviours: causing them to prioritise credit repayments over the payment of household bills and other essentials. People in financial difficulty may also be receiving inappropriate messages that encourage them to take on more credit than they can afford.
BUY NOWDownload Report