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The Independent UK
The Independent UK
Business
Emma Lunn

What changes are the FCA making to credit score files and what does it mean for you?

FCA Equifax Experian Transunion

The Financial Conduct Authority (FCA) has unveiled plans to close gaps in borrowers’ credit files. The move could reshape how millions of people access loans, mortgages and other credit agreements.

The regulator has launched a consultation which will run until 1 May 2026. Once the new rules are confirmed, they will be implemented 12 months later.

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