We’re reaching out with a feel good community story we hope you’ll help us share:
At LIFT – Low Income Families Together, based at Muirhouse Millennium Centre, we are preparing for our Easter celebration taking place on Friday 3rd April, and we need the support of our amazing local businesses and community.
Every year, we support families across Edinburgh who are facing incredibly tough circumstances. For many of the children attending our Easter event, an Easter egg isn’t just chocolate, it’s a moment of joy, a sense of belonging, and a reminder that their community cares.
This year, we are inviting local businesses to be part of something truly special by donating:
Easter eggs Easter-themed gifts or treats Vouchers or small prizes for our event Baking or party food Monetary donations to help us purchase eggs and supplies
Our Easter event on 3rd April will bring families together for a day filled with fun, smiles, and celebration — and with the right support, we can ensure every child leaves with something special.
We would be so grateful if you could help us spread the word and encourage local businesses to step forward. We are also happy to acknowledge and publicly thank businesses who support the event.
Donations can be dropped off at:
LIFT – Low Income Families Together Muirhouse Millennium Centre 7 Muirhouse Medway Edinburgh EH4 4RW
Funding for broadcasting, education and cultural projects
A £620,000 package to support the continued growth of the Gaelic language has been announced by Deputy First Minister Kate Forbes on the first day of World Gaelic Week.
The funding includes an additional £200,000 for MG ALBA (the Gaelic media service) to deliver high-quality content including series two of BBC ALBA’s award-winning crime thriller An t-Eilean.
Independent research has found that Gaelic media generates £1.34 for every £1 invested and supports 340 jobs across Scotland, including 160 in island communities.
The new funding will also support ongoing work to establish the first dedicated Gaelic cultural centre in the Highlands and structural improvements at Sabhal Mòr Ostaig – the world’s only Gaelic-medium college on the Isle of Skye.
Deputy First Minister Kate Forbes said: “This year’s World Gaelic Week is particularly special, being the first since Gaelic gained official status through the Scottish Languages Act.
“This new investment will help the language thrive, from broadcasting that brings Gaelic to new audiences to education initiatives that help more people learn it.
Watch Deputy First Minister @_KateForbes welcome #WorldGaelicWeek – the first since Gaelic gained official status.
The Scottish Government is supporting Gaelic's continued growth with an extra £1.8 million in the draft Scottish Budget.
“An t-Eilean’s success demonstrates there is a global appetite for high-quality Gaelic content. The programme has brought Gaelic into living rooms around the world and this funding will ensure the communities and talent behind that success continue to flourish.”
Sorcha Groundsell, who will return in series two of An t-Eilean in the lead role of Detective Sergeant Kat Crichton, said: ‘’I’m so pleased that An t-Eilean has been recommissioned for a second season.
“It was a wonderful and deeply fulfilling experience to be a part of season one and I have every faith the team will build on the work they did and that they will take the show to new heights and even broader audiences.
“It’s so important that we continue to platform Gàidhlig and to provide further opportunities for Gael creatives so that we can reinforce the language as a vital and vibrant force on the global cultural stage. I’m looking forward to picking up Kat’s journey and seeing where the show takes her in this next series!’’
The First Minister is expected to unveil the Scottish Government’s Islands Plan in Shetland later today. The plan includes measures to support Gaelic’s growth in island communities where it is traditionally spoken.
Jobseekers are to benefit from the roll-out of mobile jobs vans across Great Britain – outside leisure centres, supermarkets and even football stadiums
New vans rolling out to six additional areas across England and Wales as part of major employment reforms.
Jobcentre on Wheels service puts expert support at heart of the local community – slashing barriers by coming directly to people while they do their weekly shop or see their local team play football.
Roll out is part of wider government plans to Get Britain Working and comes after successful pilot saw over 1,600 people supported.
Jobseekers are to benefit from the roll-out of mobile jobs vans across Great Britain – appearing outside leisure centres, supermarkets and even football stadiums.
Following hugely successful pilots in the Scottish Highlands, North and Mid Wales and Greater Manchester, the number of Jobcentres on Wheels will triple, providing enhanced support in six new areas, with a view to explore rolling out the scheme more extensively after testing its impact.
The vans will take jobcentre staff on the road to communities with some of the highest rates of unemployment where support is needed most. Vans will park up outside family hubs, leisure centres, supermarkets, local events and football matches to make taking that first step towards work as easy as possible.
Once on board, people can meet with one of the DWP’s experienced work coaches who will who offer expert support with job searching and training opportunities.
They can also provide information to those with health conditions or disabilities and for accessing childcare costs.
As well as existing customers, the service is open and accessible to all members of the public and forms part of the government’s wider plans to Get Britain Working, kickstart economic growth and give more opportunities for people to get on in their career.
Work and Pensions Secretary Pat McFadden said: “We want to break down the barriers that stop people from finding good work, and that means meeting people where they are.
“Jobcentres on Wheels are doing exactly that – bringing employment support into the heart of communities.
“That’s why we’re building on the success we’ve already seen, expanding the service so we can unlock opportunities for even more people across the country.”
The areas the vans will now be extended to are Wakefield, North Nottinghamshire, Barrow-in-Furness, Blackpool, Clevedon and Rhondda Cynon Taf/Bridgend.
To mark the roll out, Work and Pensions Secretary Pat McFadden visited the Bolton Mobile Jobcentre which was stationed outside Horwich Leisure Centre.
The Bolton Mobile Jobcentre, which was first launched in January 2025 has already supported nearly 800 customers – many of whom had never set foot into a jobcentre. Bolton has one of the highest inactivity rates in the North West, at 29.2% compared to the national average of 20.8%.
Work and Pensions Secretary Pat McFadden hopped on our mobile Jobcentre to Bolton
Onboard, Work Coaches offer support and advice to the community – helping break down barriers to good work
It has parked in a range of spaces including Bolton Wanderers’ football stadium on match days, Horwich Leisure Centre, family hubs and community centres, reaching those who might not otherwise access a traditional Jobcentre.
Data shows that just over half of customers visiting the vans are not in receipt of benefits, demonstrating the service is reaching many economically inactive people who may not engage with traditional jobcentres.
For example, in Bolton, a customer with health conditions walked onto the van looking for work. Within one visit, staff found him job leads, referred him to digital support, and connected him with training. The customer said this support was something he would never have thought to look for at a traditional Jobcentre.
Ben Lawton, CEO of Bolton Wanderers in the Community, said: “Here at BWitC we understand the drivers behind the increase in the number of young people who are not in education, employment or training (NEET).
“The relational, holistic, community-based support delivered in trusted settings support those in our community facing these challenges.
“Working alongside Bolton Jobcentre and their Jobcentre Van is key to our Vision of One Bolton Connected in Success.”
The mobile Jobcentres will now operate in nine areas across England, Scotland and Wales, covering a mix of urban, rural, coastal and post-industrial communities. Trebling the Department’s mobile fleet will ensure the service reaches those who may face barriers accessing traditional jobcentres across Great Britain as a whole.
The initiative is part of the government’s commitment to reforming employment services and helping more people overcome barriers to work, including health conditions and caring responsibilities.
It is part of a major programme of reform as a test and learn approach which includes transforming Jobcentres and creating a new national jobs and careers service, backed by £55m as well as launching a new digital offer to deliver a transformative new service that will give anyone access to DWP support wherever they are.
NSPCC Scotland is urging politicians in all parties to help prevent harm to children and prioritise early support for families in future plans and investment decisions, as the charity publishes an overview of early years policies since devolution.
The report calls for a strategic, long‑term commitment to the early years to ensure every child in Scotland has the best possible start in life.
Published on the NSPCC Learning website it provides a descriptive summary of early years policymaking in Scotland over the past 25 years.
The NSPCC believes there are clear opportunities for improvement in current early years policy and is calling on the next Scottish Government to prioritise it. This is one of the charity’s five priority areas for child protection that it will be setting out next month in the run up to the Scottish Parliament elections.
Early years – the period from pregnancy until a child turns five – is widely recognised as a critical stage in child development during which the foundations of learning, behaviour and lifelong mental and physical health are established.
In 2024, nearly half (45%) of the children on the child protection register in Scotland were under the age of four. This consisted of 93 unborn children and 913 aged newborn to four years old.1
Despite the youngest children in Scotland being the most vulnerable to harm, the 0-3 age group in particular can often be overlooked. It’s been called the ‘baby blindspot’.
Babies and very young children rely on sensitive and responsive care to grow and thrive. Evidence shows that investing in children’s earliest years not only reduces the need for costly interventions later in life but also helps tackle inequalities and ensures every child has the opportunity to reach their full potential.
In this report, the NSPCC sets out how the Scottish Government’s strongest focus on the early years can be traced back to 2011–12, with multi-agency initiatives that were designed to improve outcomes for children, reduce inequalities for those who were particularly vulnerable, and shift services toward prevention and early intervention.
However, the charity’s analysis reveals that strategic focus on the early years has not been maintained as attention shifted toward tackling the poverty-related attainment gap and addressing the long-term effects of childhood adversity in adulthood.
This has meant that targeted support for families and children, from pre-birth to age five, to prevent problems from developing or getting worse, has inadvertently declined.
The NSPCC’s view is that these days early years policy is too often viewed by the Government as meaning early learning and childcare provision, rather than as a broader agenda, which focuses on supporting families to build nurturing, responsive caregiving relationships.
Rachel Love, NSPCC Scotland Senior Policy Officer and report author, said: “Investing in early childhood provides significant long-term benefits for children, their families, and communities, including improved educational attainment, reduced health inequlaities and economic returns.
“Our analysis shows that prioritisation of early years has been inconsistent, leading to gaps in service planning and delivery; and when it has been a priority, funding and resourcing has not matched ambitions.
“As we approach the Scottish Parliament elections, all political parties have an important opportunity – and responsibility – to place the early years at the heart of future policy and public investment in Scotland.
“The NSPCC wants the new Government to give families the support they need, so every child gets the best possible start – ensuring Scotland keeps The Promise to its youngest children.”
The charity wants the new Government to:
Reestablish early years as a cross-party priority, with a clear focus on parent–infant relationships and holistic family support that prioritises prevention and early help.
Create a dedicated Early Years Strategy, led by a Minister for Early Years, to ensure focused and sustained national leadership.
Strengthen statutory guidance on Children’s Services Planning to reinforce its emphasis on early years prevention and intervention, and introducing long-term, ringfenced funding so local areas can deliver high-quality family and parenting support.
Advance implementation of The Promise and Children’s Rights, making sure the needs and rights of babies and under-fives are central to decisions about policy, legislation and practice.
Funding stability for more third sector organisations
More than a hundred third sector organisations that work to address violence against women and girls have received a multi-year funding agreement from the Scottish Government.
Funding of £43.28 million over two years through the Delivering Equally Safe Fund will support organisations to deliver projects across Scotland. These will provide direct services to victims and survivors of gender-based violence and carry out vital prevention work.
This two-year funding agreement marks a significant step in the Scottish Government’s commitment to developing a more sustainable funding model for the third sector in line with fairer funding principles.
It follows a multi-year commitment of £3.5 million a year over the next three years for disability organisations as set out in the draft Scottish Budget 2026-27.
In addition to the Fairer Funding pilot announced last year, this means that almost 50% of the value of third sector grants in the Social Justice Portfolio in 2025-26 are now covered by multi-year funding agreements. This approach aims to protect the sector’s future by providing the certainty organisations need to plan ahead, retain specialist staff and sustain their vital services.
Cabinet Secretary for Social Justice Shirley-Anne Somerville said: “We have listened carefully to the third sector about the challenges they face.
“This includes the impact of single-year funding settlements on their ability to plan ahead and retain the specialist staff who are so vital to delivering these services.
“This multi-year investment demonstrates that we have heard and responded to those concerns. It will give organisations the stability and greater certainty they need to continue their essential work to protect victims and survivors of gender-based violence across Scotland.”
The Delivering Equally Safe Fund supports the work of the Equally Safe strategy, which underpins Scotland’s approach to preventing and eradicating violence against women and girls.
This winter, Children First is urging families in Edinburgh struggling to make ends meet to call its national support line.
The charity’s experienced team can give confidential assistance with money worries, and thanks to extra funding from the Scottish Government, can provide emergency support to families living in poverty.
As well as immediate help, every family that contacts the charity’s support line will be offered expert debt management advice, support to access benefits, and guidance to help families build a more secure financial future.
Thanks to partners British Gas Energy Trust, the charity is also able to offer eligible families new white goods ranging from fridges to washing machines – but only until the end of February.
In 2025, the charity’s support line helped nearly 1,500 families with money worries. The team put £1.8 million back into household budgets and supported families to manage over £1 million pounds in debts.
Simon McGowan, Assistant Director at Children First, said: “We know it can feel hard to talk about money worries, but getting help early can make an enormous difference. Our friendly team listens without judgement and helps parents and carers get the support they need to make life better for their children.
“As well as immediate financial help to alleviate a crisis, we can offer practical, down-to-earth help with budgeting, benefits, debt and energy bills. And thanks to British Gas Energy Trust, until the end of February we can provide white goods like washing machines and fridges to families living without these essentials.
“We want parents and carers to know they don’t need to face their money worries alone. If you’re struggling, please get in touch. We can help you straight away.
“Call the support line team free on 08000 28 22 33 from 9am – 9pm, Monday to Friday or 9am – 12 noon Saturday and Sunday or start a webchat with the team on our website at www.childrenfirst.org.uk/supportline.”
When Amy* first called Children First’s support line, she was at breaking point. Trapped in a damp flat with two young children, suffering from postnatal depression and £190 short every month, she felt invisible and hopeless.
Children First’s support line arranged immediate food and heating support so Amy’s children could stay warm and fed. They secured £1,500 from the Home Heating Fund and negotiated lower bills, cutting Amy’s broadband by £38 per month. The team also secured £180 per month in child maintenance and connected Amy to housing, mental health and local family support services.
Amy’s financial situation improved by more than £4,500, lifting a weight off her shoulders and helping give her and her children a brighter, more secure future.
Amy said: “I felt invisible before I called. Now I feel like someone is on my side. My kids are happy, and I can breathe again.”
*Names have been changed to protect the identity of the family.
In January 2026, Children First was awarded £1.5m in funding from the Scottish Government to provide extra emergency support to families in crisis as part of the national mission to eradicate child poverty.
Edinburgh Children’s Hospital Charity says the Young Patients Family Fund is failing the families who need it most
Edinburgh Children’s Hospital Charity (ECHC) has launched its manifesto – Families on the brink – ahead of the Scottish Parliament Elections calling for an overhaul of the Young Patients Family Fund.
Roslyn Neely, CEO of ECHCsaid: “The current system, while well intentioned, is failing the families who need it most. Parents already stretched to the limit are being pushed into a deeper financial crisis by reimbursement policies that ignore the realities of everyday life.”
The charity has outlined measures in its manifesto to change the system to a cash-first approach over reimbursement as well as expanding the criteria to cover families attending regular outpatient appointments, rather than just inpatient care.
ECHC provides seriously ill children and their families with the extra support they need when facing a potentially life-changing hospital visit. It sees first hand the number of families who simply can’t afford to pay upfront for travel, food, or accommodation – let alone wait weeks to be reimbursed.
For some families, even when they have been reimbursed the money doesn’t reach them as it can be swallowed by overdrafts or used to repay public debts the moment it hits their account. The fund also doesn’t support families who don’t have a bank account or are unable to navigate the complex claims process.
ECHC believes the eligibility criteria should be expanded beyond inpatient appointments as outpatient appointments can be just as costly for families. Children who need frequent outpatient care – like chemotherapy or treatments for chronic conditions such as Crohn’s – often attend more than five appointments a year. That results in five days of missed work. Five days of travel costs. And, five days of disruption to school, siblings, and family life.
Roslyn Neelyadded: “Ahead of the Scottish Parliament Elections we want policymakers to show families who have a young person regularly visiting or staying in hospital that they understand their reality.They understand that families who are already exhausted and stretched to their limits, feeling unsupported by the system, don’t have to be financially drained as well.
“Simple changes to the Young Patients Family Fund would ease the pressure on families who are struggling, and make what could be a potentially life changing or life threatening experience, just a little bit more manageable.”
The Scottish Government budget for 2026/27 has allocated £3.2 million to the fund, a reduction from £5 million from when it was introduced in 2021.
The Health, Social Care and Sport Committee published its report today into Attention Deficit and Hyperactivity Disorder (ADHD) and autism pathways and support.
The Committee calls for urgent action to deliver a national plan that ensures autistic people and people with ADHD can access clear, consistent pathways to support across every health board in Scotland.
The Committee welcomes the Scottish Government’s commitment to accept the recommendations in the National Autism Implementation Team (NAIT) Adult Neurodevelopmental Pathways report.
It also notes the Scottish Government’s intention to review implementation of the National Neurodevelopmental Specification for Children and Young People through its new task force.
The Committee expresses concern that many people wait years for neurodevelopmental assessments and that some health board areas have closed waiting lists. It emphasises that long waits harm individuals and may prevent people from making a full contribution to society.
The unprecedented demand for neurodevelopmental assessment is recognised by the Committee and the need to put certain thresholds in place before a referral is made. But the Committee warns that this approach can be seen as gatekeeping and can cause delays to accessing assessments and support.
The report further highlights evidence that long waiting times can push people into crisis, which can increase complexity of the support needed and put additional pressure on services. It calls on the Scottish Government to work with health boards to deliver a shift towards early, progressive support, in line with the principles of the Population Health Framework.
The Committee also heard evidence that long NHS waiting times can push people towards private diagnosis at significant cost, risking a two-tier system.
The Committee calls for a comprehensive review of assessment processes across all areas, leading to a National Standard that guarantees consistency, responsiveness and support across Scotland.
Given current waiting times, the Committee calls for consistent high-quality communication with people on waiting lists, including accurate, supportive, up-to-date and neuro-affirming information that meets the needs of each individual.
Countering claims that neurodevelopmental conditions are subject to over-diagnosis, the report instead notes evidence that rising demand for assessments reflects historic under-diagnosis and improved understanding of these conditions. The report recognises that diagnosis can validate lived experience and help people access adjustments, support and medication if needed.
While the Committee welcomes the Scottish Government’s commitment that diagnosis should not be a prerequisite for support, it remains concerned that, for many individuals, the lack of a formal diagnosis can create a barrier to accessing support. The Committee calls on the Scottish Government to set out actions to prevent diagnosis status becoming an artificial barrier to receiving support.
To improve fairness and consistency, the Committee calls for a plan to deliver mandatory training for everyone involved in making referrals to neurodevelopmental pathways and all health and social care staff in patient-facing roles.
The Committee supports a whole systems approach across health, social care, education and other sectors to improve awareness, reduce stigma and strengthen support for those with neurodevelopmental conditions.
It calls on the Scottish Government to set out what it is doing to advance whole society action, including workforce planning, funding distribution that supports integration, inclusive education, support for families with multiple neurodivergent members, and stronger collaboration across public services.
On publication of the report, Clare Haughey MSP, Convener of the Health, Social Care and Sport Committee said:“Our inquiry has shone a light on the myriad issues those with neurodevelopmental conditions face in accessing and receiving support from Scotland’s NHS.
“We acknowledge the huge rise in demand for assessment and diagnosis and the huge pressure this places on services. But we are concerned that inconsistent care pathways and a lack of support can leave some feeling isolated and unable to access the support they need.
“We are concerned to have heard evidence of long waits for assessments or closed waiting lists, meaning some individuals are unable to access support due to where they live or because they haven’t been diagnosed with a neurodevelopmental condition. It’s clear things need to improve.
“We’re calling for urgent delivery of a national plan so that autistic people and/or people with ADHD are able to access clear, consistent pathways to support regardless of where they live in Scotland.
“We’re also calling on the Scottish Government and health boards to work together to undertake a comprehensive review of the assessment process in order to introduce a National Standard for assessments that guarantees consistency and quality of access throughout Scotland.
“Our Committee wants to see a whole systems and whole society approach to ensure autistic people and/or people with ADHD can access equitable and timely pathways to assessment, treatment and support across Scotland.
“Thank you to all of the individuals who shared their personal experiences of ADHD and autism with us and helped inform our inquiry.”
Other findings in the report:
The report also stresses the need for consistent national data on referrals and waiting times. The Committee calls for steps to enable routine quarterly reporting of data on referrals and waiting times for autism and ADHD, underpinned by national guidance, and for longer-term work to culminate in a comprehensive dashboard.
The Committee pays tribute to third sector organisations that support people who have not received, or are waiting for, diagnosis. It welcomes ongoing commitments such as the Autistic Adult Support Fund and calls for clearer plans to place third sector funding on a sustainable long-term footing.
Both ADHD and autism are neurodevelopmental conditions.
ADHD is characterised by a group of symptoms that includes difficulty in concentrating, hyperactivity and impulsive behaviour. It affects around 5% of school-aged children, and between 2.5% and 4% of adults.
Autism Spectrum Disorder (ASD) is a lifelong developmental condition that affects the way a person communicates, interacts and processes information.
It is often characterised by social and communication difficulties and by repetitive behaviours. Current estimates indicate about 1 in 34 people are autistic, just under 3% of the population.
New support for workforce to improve learning opportunities
New support for social work education will be available from February, strengthening learning amongst the workforce and benefitting local social work students.
The Scottish Government is investing up to £600,000 through the Scottish Social Services Council (SSSC) to support the sector in addressing some of the reported challenges surrounding social work education.
The investment aims to strengthen the design and delivery of social work practice education – to ensure learning opportunities match the specific needs of social work students and help increase the number of high-quality learning opportunities across Scotland.
Minister for Children, Young People and The Promise Natalie Don-Innessaid:“The Scottish Government greatly values Scotland’s social workers, who do a tremendously valuable and essential job in communities across the country.
“That is why we are investing in the workforce, to enhance the experiences of the current and next generation of social workers and to address some of the reported challenges surrounding education.
“This investment demonstrates the value we place on improved professional learning support structures, recognising that a positive learning experience will both equip future social workers to develop and also support recruitment and retention.”
The funded improvements will be tested via Local Learning Partnerships (LLPs), a new model linking social work employers and education providers. This will allow areas to test curricula and make improvements based on the experiences and feedback.
SSSC Chief Executive Maree Allisonsaid: “We’re pleased to support LLPs, strengthening the partnership working between universities and employers, which is essential to social work education.
“The financial investment in LLPs will help local areas explore new ways of working, building on existing strengths, initially by increasing the number and variety of practice learning opportunities available to students and making them more local to reduce the distance students need to travel.
“The partnerships will make sure that students, social workers in practice, employers, people with lived experience and other partners are involved in developing effective social work training and learning which meets the needs of individuals and their communities.”
New research from the Centre for Responsible Credit shows how concerns around credit scores can prevent people in financial difficulty from seeking help and should be viewed as one aspect of financial health, not the entirety.
Stats from the report show that:
Credit score concerns stop hard-up borrowers from seeking help: Industry-promoted fixation on credit scores deters three quarters of borrowers from seeking support, making debt problems harder to resolve.
Credit score messaging pushes people into hardship: A third (32%) of low-to-middle income borrowers; 6.4 million people are going without essentials like food and heating specifically to preserve their credit score.
“Your latest credit score is ready.” It’s a familiar email or app notification from credit score providers such as ClearScore, Credit Karma and Experian.
But it’s part of a marketing culture that could be encouraging low-to-middle income (LMI) borrowers to take on unaffordable credit and prioritise actions that maintain good scores over spending on essentials such as food and heating.
That is why we are now calling on the newly created Credit Information Governance Body and the Financial Conduct Authority to work with the credit scoring industry and consumer agencies to set standards for marketing dashboards. It’s one of five recommendations set out in this latest report, the second phase of our research in this area.
The first phase, published in July 2025, comprised qualitative interviews with thirty LMI borrowers. The interviews indicated there is a group of people who are highly sensitive to their credit scores, checking these on a frequent basis.
The frequent checking of scores seems to be encouraged by the many e-mails and app notifications that borrowers receive from credit score providers. When they respond to these and visit their credit score dashboards, they are often exposed to marketing offers for further credit.
Worryingly many participants felt that the best way to improve their credit scores was by taking out more credit and using it regularly. Many were also prepared to make considerable sacrifices to preserve their scores.
The scale of the problem
The second phase of our research involved a large-scale, representative, survey of more than 3,400 LMI adults in Great Britain; conducted on our behalf by Walnut Unlimited. Three-quarters of survey respondents used some form of credit (credit cards, Buy Now Pay Later, overdrafts or personal loans) with 40% using it to pay for daily expenses such as food and bills.
Most LMI borrowers check their credit scores at least once per month. Just under one fifth (18%) check their scores at least once per week, and an additional 15% do so more than once per month. A further fifth (21%) check their scores monthly.
When they do so, many enter on-line market places where they receive offers of further credit that may not be appropriate. Our survey indicates that over half (55%) of all survey respondents had received suggestions or offers for credit products from their credit score provider. Half of those (49%) felt that the offers they received encouraged them to take on more credit than they could afford, and over a quarter of (28%) reported feeling pressured to accept the offers that were made to them.
Nearly half (43%) of those being prompted to take up offers of credit by their score providers act on the suggestions they receive, but in many cases this results in financial distress within six months.
Around one in five saw their overall level of debt increase, and the same proportion (21%) experienced stress or anxiety. 18% struggled to make the repayments. 18% also cut back their spending on essentials, while 14% had to borrow more to cover the repayments, and around one in ten missed payments or defaulted.
And yet, alarmingly, three-quarters of borrowers said they would not ask for help from their lender. That’s because most people are unsure whether seeking advice or help will harm their credit score.
A disciplinary effect
Our survey also found clear evidence of a disciplinary effect, with one third (32%, equivalent to 6.3 million adults aged over 18) of all LMI borrowers telling us they have “cut back on day-to-day expenses to preserve” their credit scores.
This rises to 45% of borrowers who are using credit specifically to improve their scores, and to 55% of borrowers using credit to pay off other debts.
We also found a statistically significant relationship between the likelihood of cutting back on essentials to preserve scores and the frequency of score checking.
After controlling for age, housing tenure and incomes, over half (52%) of those checking their score more than once per week have cut back on essentials to preserve their score, as have 45% of those checking their score at least at few times per month.
Actions needed
To address the harms our study exposes, we are calling on Financial Conduct Authority, Credit Information Governance Body and credit score providers to ethically re-design, test, and set standards for credit score dashboards and their marketing.
This needs to include a review of dashboard messaging, so that providers don’t promote credit to people already showing signs of financial difficulties. Dashboards should make it clear that maintaining credit scores should not come at the expense of meeting basic needs.
More is also needed to encourage forbearance requests and debt advice seeking by ensuring dashboards proactively identify borrowers in financial difficulties and link these to independent advice and support, and there is a need to limit push notifications and dashboard marketing, to prevent borrowers from focusing on marginal score changes, and only allowing notifications when underlying credit report information has significantly changed.
The cost-of-living crisis has shattered the finances of millions, with more than a quarter of people currently unable to cover their basic expenses. It’s time for credit score providers to take action to make sure their marketing and processes are not compounding the problem.
Responding to research from the Centre for Responsible Credit, Adam Butler, Public Policy Manager at StepChange, said:“Whilst credit scores can help people understand how lenders may see them, the reality is that they are only one element of what lenders look at when assessing creditworthiness.
“Our research shows that people in financial difficulty often delay seeking help because of worries about the impact on their credit scores.
“This deepens the harm of problem debt and can lead people to take out further credit which exacerbates their financial problems. It’s important to note that seeking free debt advice and exploring options will not have an impact on someone’s credit score.
“The Financial Conduct Authority (FCA) has required the credit information industry to set up a new governance body with stronger consumer representation and make reforms to encourage struggling borrowers to seek help early.
“We want the industry to build on these steps and ensure people can seek help when they need it without fear of punitive credit reporting. As our recent polling found that 18 million people have an outstanding unsecured credit balance of some kind, a credit information system that works well for those who are struggling is vital.”
Easter eggs
