1. Nature of Our Service

UK Credit Secrets provides educational material, templates, and information regarding the UK credit system. We are an information publisher.

We are not a credit broker, lender, debt management company, or financial advisory firm. We do not provide personalised financial advice, debt counselling, or debt adjusting services as defined by the Financial Conduct Authority (FCA).

2. "Information" vs. "Advice"

To comply with Google's E-E-A-T guidelines and UK Law, it is vital to distinguish between:

• Educational Information (What we provide): Explanations of how credit scoring models work, how to identify errors on a statutory report, and how to use existing laws (such as the Data Protection Act 2018) to ensure accuracy.
• Regulated Advice (What we do NOT provide): Specific recommendations on which loans to take, personal debt consolidation plans, or acting on your behalf to negotiate with creditors.

3. Legal Basis of Our Strategies

The strategies contained within the UK Credit Secrets system are based on your statutory rights under UK Law, specifically:

• The Consumer Credit Act 1974: Governing how creditors must behave and document debts.
• The Data Protection Act 2018 (GDPR): Ensuring data held about you is accurate, up-to-date, and relevant.
• The Standards of Lending Practice: Industry codes of conduct regarding fair treatment of customers.

All techniques are fully legal, ethical, and designed to help consumers ensure their credit files accurately reflect their financial history.

4. Financial Disclaimer

Results vary from person to person. Your credit score is determined by complex algorithms managed by private companies (Experian, Equifax, TransUnion). While our system has a high success rate based on past user results, we cannot guarantee specific point increases or loan approvals. All financial decisions should be made based on your personal circumstances, and if you are in significant debt difficulty, we recommend seeking advice from a registered charity such as StepChange or Citizens Advice.