Amy Lancashire
Compliance Monitoring Officer
Amy is Compliance Monitoring Officer at Lendable, where she has worked for three years. She holds an undergraduate law degree from Keele University and a master’s in law from the University of the West of England – qualifications that trained her to read and apply regulatory frameworks precisely. She spent several years as a legal advisor and paralegal before moving into financial services compliance. She reviews Zable content to ensure it meets FCA financial promotions standards and is accurate for readers.
"Accuracy in financial content really matters. When someone is making a decision about credit, they need to be able to trust what they're reading. My job is to make sure everything on Zable is not only clear, but legally sound and compliant with the rules that are there to protect consumers."
Articles reviewed by Amy
Does an overdraft affect your credit score?
An overdraft can help or hurt your credit score depending on how you use it. Find out what lenders see and what to watch out for.
Emily Tye
May 29, 2026
5 min read
APR vs interest rate: what's the difference?
The interest rate is the base cost of borrowing. APR includes interest plus any fees. Learn which to use and how to find your rate.
Emily Tye
May 29, 2026
4 min read
What affects your credit score?
Your payment history, credit utilisation and hard searches all affect your credit score. Here's a clear guide to every factor.
Emily Tye
May 28, 2026
7 min read
Can you pay bills with a credit card?
Many UK household bills can be paid by credit card. Find out which ones qualify, whether it costs extra and the key risks to know before you start.
Emily Tye
May 28, 2026
5 min read
Do direct debits affect your credit score?
Direct debits don't appear on your credit file, but they can still influence your score. Here's how they help and when they can hurt.
Emily Tye
May 28, 2026
5 min read
How long does it take to get a credit card?
Getting a credit card can take minutes or weeks, depending on the lender and your application. Find out what affects the timeline.
Emily Tye
May 21, 2026
4 min read
What is APR on a credit card?
Confused about APR? Learn what APR means, how it affects your credit card costs, and how to avoid interest by managing repayments smartly.
Emily Tye
May 21, 2026
5 min read
How long do defaults stay on your credit file?
A default stays on your credit file for 6 years from the date it was first registered. Find out what that means for your borrowing.
Emily Tye
May 14, 2026
5 min read
What is a secured loan?
Learn what a secured loan is, the risks involved and how it compares to other types of loan.
Joe Towner
May 14, 2026
6 min read
What is an IVA?
An IVA is a formal debt solution that stays on your credit file for 6 years. Find out how it affects your credit score.
Emily Tye
May 13, 2026
7 min read
What is a credit card balance?
Learn what a credit card balance is, what it includes, and how your balance affects your credit score.
Emily Tye
May 8, 2026
4 min read
What is a CCJ (County Court Judgment)?
A CCJ (County Court Judgment) is a court order issued when you fail to repay a debt. Find out how long they last and what your options are.
Emily Tye
May 8, 2026
6 min read
How long do missed payments stay on your credit report?
Find out how long missed payments stay on your credit report and credit file in the UK.
Emily Tye
May 8, 2026
7 min read
Different types of credit cards
This covers the main types of credit cards available in the UK with guidance on choosing the right one.
Emily Tye
Apr 30, 2026
5 min read
What is a soft credit check, and how does it differ from a hard check?
A soft credit check does not affect your credit score and is not visible to other lenders. Find out what each type of check reveals.
Emily Tye
Apr 28, 2026
4 min read
Why has my credit score gone down?
Find out why your credit score has dropped, from missed payments to less obvious causes, and what steps to take to start rebuilding it.
Emily Tye
Apr 24, 2026
5 min read
How to get out of debt in the UK
A practical guide to getting out of debt in the UK. Covers repayment strategies, formal debt solutions, and where to find free expert advice.
Emily Tye
Apr 23, 2026
Can you set up a direct debit on a credit card?
Find out whether you can set up a direct debit on a credit card and how to use a direct debit to pay your credit card bill automatically.
Emily Tye
Apr 22, 2026
4 min read
Can you pay a credit card with another credit card?
You cannot pay a credit card bill directly with another credit card, but there are other options. Here's what you need to know.
Emily Tye
Apr 17, 2026
What is a credit card number?
The 16-digit number on your credit card is called a PAN. This guide explains what each part means and what the other numbers on your card are for.
Emily Tye
Apr 17, 2026
5 min read
What age can you get a credit card in the UK?
You need to be 18 to get a credit card. Find out why, what else lenders look for, and what options are open to you if you have no credit history.
Emily Tye
Apr 17, 2026
What is adverse credit?
Learn what adverse credit is, how long it lasts, and what it means for borrowing.
Emily Tye
Apr 16, 2026
7 min read
Can I get a credit card with a CCJ?
Find out whether you can get a credit card with a CCJ, what your options look like, and how to apply without damaging your credit score further.
Emily Tye
Apr 10, 2026
6 min read
What is open banking?
Open banking lets you securely share your bank data with regulated providers in the UK. Find out how it works.
Emily Tye
Apr 9, 2026
6 min read
Does applying for a credit card affect your credit score?
Find out how a credit card application affects your credit score in the UK and how to minimise impact.
Emily Tye
Apr 8, 2026
5 min read
Does a balance transfer affect your credit score?
A balance transfer can improve your credit score if you use it to reduce your debt and lower your credit utilisation.
Emily Tye
Apr 1, 2026
5 min read
What is a balance transfer on a credit card?
A balance transfer credit card allows you to move your balance from one or more existing credit cards to a new card. Find out how it works.
Emily Tye
Apr 1, 2026
4 min read
8 tips to follow with your first credit card
Essential guide covering 8 credit card tips: number of applications, limits, utilisation, cash advances, and more.
Emily Tye
Mar 31, 2026
4 min read
What are pre-approved credit cards?
Find out what pre-approved credit cards are, whether pre-approval guarantees acceptance, and how to check your eligibility.
Emily Tye
Mar 31, 2026
4 min read
What is a bad credit score?
A bad credit score means under 641 with Experian, under 439 with Equifax, or under 566 with TransUnion. Find out what these mean and what to do next.
Emily Tye
Mar 31, 2026
5 min read