Does Clearpay report to credit reference agencies in the UK?
Clearpay's terms, re-issued 15 July 2026, say it may report missed payments to credit reference agencies. What its own pages say, read 11 September 2026.
Archive
All stories
Page 2 of 3
Float, assessed: instalments on the credit card you already have
Float launched in the UK in July as a card-linked instalment platform, splitting a purchase across monthly instalments on a card the shopper already holds. Assessed on paperwork: who the creditor is, which agreement governs the money, and where a complaint goes.
Starling Assistant launches: an AI that moves money inside your business account
Starling's new assistant does not just answer questions about your account — it acts on it. Which makes the firm behind it, not the model inside it, the thing worth reading.
Buy-now-pay-later plans signed before regulation, assessed on what redress remains
Every piece this site has run on BNPL regulation addresses someone signing a plan today. The regulator gives the other cohort two sentences. Assessed as a redress position, including the Handbook rule that closes the route back.
A third of young investors expect compensation when an AI gets it wrong
FCA survey findings published on 27 August 2026 put the figure at 32%. The interesting part is not the technology — it is how badly the edge of the safety net is understood.
Zilch, assessed on where the cost actually sits
A product sold on 'no late fees' and 'no hidden charges' carries a 14.9% representative APR and £11.50 of fees on its own £1,000 example. Assessed on disclosure rather than rewards.
Section 75 on a buy-now-pay-later plan, assessed
The regulator now says Section 75 is available on regulated deferred payment credit. Assessed as a redress route: genuinely valuable where it reaches, and switched off entirely by two conditions a shopper cannot see at the checkout.
Five fintechs join the FCA's Scale-up Unit — support, not a seal of approval
ClearScore, Modulr, Teya, Urban Jungle and Zilch have been given tailored regulatory support. That is a very different thing from a regulator's verdict on a firm, and the difference is worth stating plainly.