Following his recent appointment to the Credit Information Governance Body (CIGB) Consumer Council, CfRC's Chief Executive, Damon Gibbons, reflects on why increasingly data‑driven credit decisions remain opaque — and why stronger accountability is now essential if affordability is to protect consumers in practice.

Efforts to tackle the harms caused by financial abuse have exposed a bigger truth: credit reporting must evolve. Context, fairness and accountability can’t be optional.

Our new report finds a third of low-to-middle income borrowers are cutting back their essential spending to preserve their credit scores, and highlights how the marketing of scores can increase the risks of over-indebtedness and deter people from seeking advice.

CfRC is urging MPs to vote against proposed cuts to health and disability benefits today. Even following recent concessions, the cuts will contribute to worsening health and place greater pressure on the NHS and local authorities.