E31: How can I improve my credit score? With John Webb, Clare Seal and Luis Mejia
Release Date: 09/29/2024
BONUS EPISODE: The best from our Series 4 guests with Philippa Lamb and Lucy Greenwell
The Pension Confident Podcast
BONUS EPISODE: The best from our Series 4 guests with Philippa Lamb and Lucy Greenwell Enjoying the podcast? Tell us what you think below and give us a review or rating. As always we’d love to hear your suggestions and feedback. Send us an email: . On this special bonus episode, we’re turning the mic around. We hear from our Host, Philippa Lamb, and Producer, Lucy Greenwell, as they discuss their favourite moments from Series 4 of The Pension Confident Podcast. We’ve had some brilliant guests - from divorce lawyers to behavioural experts, authors to financial influencers,...
info_outline
E45: The rise of micro-retirements with Ola Majekodunmi, Lauren Spearman, and Tom Carter
The Pension Confident Podcast
Enjoying the podcast? Tell us what you think below and give us a review or rating. As always we’d love to hear your suggestions and feedback. Send us an email: . Imagine hitting pause on your career, not decades from now, but far sooner. What would you do with all that freedom? Today we’re talking about the rise of micro-retirements, or sabbaticals, as they’re better known. It’s becoming as a bold way to take control of their time, blending career progression and meaningful rest. Unlike traditional retirement, which often feels like a distant milestone, micro-retirements offer...
info_outline
BONUS EPISODE: What does the Autumn Budget 2025 mean for your finances?
The Pension Confident Podcast
Enjoying the podcast? Tell us what you think below and give us a review or rating. As always we’d love to hear your suggestions and feedback. Send us an email: . Labour said this year’s Autumn Budget aims to address an economy that’s “”. But will the changes they’ve announced leave you better off? Before Budget day, analysts were estimating that the government was . The challenge for Chancellor Rachel Reeves was to fill that hole while balancing economic growth and fairness. Join our host, Philippa Lamb, and our expert guest as they unpack exactly what the Chancellor...
info_outline
E44: Buy Now, Pay More? With Alice Tapper, Tim Hogg, and Dani Skerrett
The Pension Confident Podcast
Enjoying the podcast? Tell us what you think below and give us a review or rating. As always we’d love to hear your suggestions and feedback. Send us an email: . From Buy Now, Pay Later plans to monthly subscriptions, modern conveniences promise to make our lives easier. But these small payments can quietly stack up into a sizable debt that jeopardises our financial future. For example, a £10-a-month streaming service seems harmless, but six months later, you might be paying for five you barely use. Or those ‘Buy Now, Pay Later’ purchases you thought were manageable could turn...
info_outline
E43: Who wants to be a pension millionaire? With Faith Archer, Damien Fahy and Maike Currie
The Pension Confident Podcast
Enjoying the podcast? Tell us what you think below and give us a review or rating. As always we’d love to hear your suggestions and feedback. Send us an email: . Building a £1 million pension pot may be more achievable than you think. But how much money will that £1 million give you in retirement? Join our host, Philippa Lamb, and our expert panel as they discuss what it takes to build £1 million in your pension from the monthly contributions needed depending on your age, to the role that compound interest and employer contributions can play. Financial Expert and...
info_outline
E42: Should you pay for your kids to go to university? With Tom Allingham, Kia Commodore, and Stewart Twynham
The Pension Confident Podcast
Enjoying the podcast? Tell us what you think below and give us a review or rating. As always we’d love to hear your suggestions and feedback. Send us an email: . University has never been more expensive. A 2025 report from the Higher Education Policy Institute found that . But even the maximum annual Maintenance Loan available to students from the lowest income households would only cover half this. So who’s expected to plug the gap: the students or their parents? Join our host, Philippa Lamb, and our expert panel as they discuss the financial realities new students are facing and...
info_outline
BONUS EPISODE: Why do we need a ‘Pension Switch Guarantee’?
The Pension Confident Podcast
Enjoying the podcast? Tell us what you think below and give us a review or rating. As always we’d love to hear your suggestions and feedback. Send us an email: . For this bonus episode, we’re looking at how the pension transfer process works and why it should be improved to give savers more control of their money. We’re spotlighting the need for reform in the pensions industry, specifically with a ‘’ to make pension transfers as simple as switching banks. Only the government has the power to change this, so if you’d like to see a 10-day Pension Switch Guarantee, running...
info_outline
TRAILER: Catch up on Series 4 of The Pension Confident Podcast (so far)
The Pension Confident Podcast
Enjoying the podcast? Then don’t forget to rate and give us a review! As always we’d love to hear your suggestions and feedback. Send us an email: . We’re taking a short break over August, but we’ll be back in September with brand new Series Four episodes and bonus content. We’ve covered a lot of ground already this year, everything from relationships, to AI and tech, the economy and - clue’s in the title - pensions. If you missed one earlier in the year, don’t worry, you can catch up on every single episode so far wherever you get your podcasts: So...
info_outline
E41: How can multi-generational living save you money? With Sam Bartley, Molly Broome, and Simmy Kaur
The Pension Confident Podcast
Enjoying the podcast? Tell us what you think below and give us a review or rating. As always we’d love to hear your suggestions and feedback. Send us an email: . Why are more families choosing to live with two, three, or even four generations under one roof? Rising rent, home prices, and living costs can make sharing a home a smart way to save money. Maybe that’s why right now. But not all reasons are financial. For some, it’s a cultural norm or a chance to care for young children and elderly relatives. Join our host, Philippa Lamb, and our expert panel as they discuss the...
info_outline
BONUS EPISODE: Six tips for automating your personal finances
The Pension Confident Podcast
Enjoying the podcast? Tell us what you think below and give us a review or rating. As always we’d love to hear your suggestions and feedback. Send us an email: . For this special bonus episode, we’re looking at how automation can help you manage your personal finances. Standing orders, calendar reminders and apps - they can all save us time and make sure we keep our payments and savings on track. We’ve gathered six top tips and insights from our guests to help you get your finances in order. Join our host, Philippa Lamb and our expert guests to hear the best bits from...
info_outlineEnjoying the podcast? Tell us what you think below and give us a review or rating. As always we’d love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com.
Most people have heard of the term ‘credit score’ but often that’s as far as it goes. What is your credit score, how is it calculated and why does it even matter?
This month on The Pension Confident Podcast we’re talking about the dark-art of how to improve your credit score. Join our host, Philippa Lamb, and our expert panel as they discuss the ins and outs of our financial history and the impact it can have on our financial future.
- Consumer Affairs Manager at Experian, John Webb;
- Author, Columnist and Content Creator, Clare Seal; and
- PensionBee’s VP Data, Luis Mejia.
Episode Breakdown:
01:08 What is a credit score and why does it matter?
05:28 Credit score jargon explained
11:13 How is a credit score calculated?
16:28 How do I know if my credit score is good or bad?
19:36 Spotting and correcting errors in your credit report
20:38 Understanding your credit score
22:05 How to improve your credit score
26:37 Busting credit score myths
Further reading:
To learn more about some of the themes discussed, check out these articles and podcasts from PensionBee:
- Episode 31 transcript
- E10: What are the effects of debt and what can you do if you find yourself in it? (Podcast)
- E15: How can we achieve financial inclusion? (Podcast)
- E23: Common financial mistakes and how to avoid them (Podcast)
- How can I improve my credit score?
- Retirement planning in your 20s
- The importance of financial inclusion
- What to do with inheritance money
- Can a guarantor be retired?
- How to talk about money
Other useful resources:
- What is a credit score? How is it calculated and what affects it? (Loqbox)
- Why credit scores matter in retirement (Experian)
- Getting to grips with your credit report and score (TransUnion)
- Credit report errors can ruin your credit score - are your records correct? (Which?)
- Getting your credit score from a bank (Investopedia)
Catch up on the latest news, read our transcripts or watch on YouTube:
Follow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads.
Follow Clare Seal (@clare.seal) on Instagram, LinkedIn and X.
Follow Experian (@Experian_UK) on X, YouTube, Instagram, TikTok, Facebook and LinkedIn.
Follow John Webb on LinkedIn.