# MoneySavingExpert

> What do you need help with?

## FAQs

- [Spotted a broken link, or out of date information?](https://help.moneysavingexpert.com/en/articles/9925451-spotted-a-broken-link-or-out-of-date-information.md)
- [How do I report a fake ad mentioning Martin Lewis or MoneySavingExpert?](https://help.moneysavingexpert.com/en/articles/9925483-how-do-i-report-a-fake-ad-mentioning-martin-lewis-or-moneysavingexpert.md)
- [I've read your debt guides, but I still need more help](https://help.moneysavingexpert.com/en/articles/9925486-i-ve-read-your-debt-guides-but-i-still-need-more-help.md)
- [Emotional support if you're struggling](https://help.moneysavingexpert.com/en/articles/9925493-emotional-support-if-you-re-struggling.md)
- [Where can I get debt help?](https://help.moneysavingexpert.com/en/articles/9925496-where-can-i-get-debt-help.md)
- [Can I ask Martin a MoneySaving question?](https://help.moneysavingexpert.com/en/articles/9925499-can-i-ask-martin-a-moneysaving-question.md)
- [Contact the Deals Team](https://help.moneysavingexpert.com/en/articles/9925510-contact-the-deals-team.md)
- [How do I talk to you about a money-related news story?](https://help.moneysavingexpert.com/en/articles/9925519-how-do-i-talk-to-you-about-a-money-related-news-story.md)
- [How do I get added to the MSE press distribution list?](https://help.moneysavingexpert.com/en/articles/9925522-how-do-i-get-added-to-the-mse-press-distribution-list.md)
- [How do I let MSE know about a product/offer?](https://help.moneysavingexpert.com/en/articles/9925534-how-do-i-let-mse-know-about-a-product-offer.md)
- [How do I opt in to be an MSE case study?](https://help.moneysavingexpert.com/en/articles/9925578-how-do-i-opt-in-to-be-an-mse-case-study.md)
- [Press / Media / Broadcast / Charity / Government / Not-for-profit contacts](https://help.moneysavingexpert.com/en/articles/9925584-press-media-broadcast-charity-government-not-for-profit-contacts.md)
- [How do I ask for a product to be reviewed or mentioned by MSE?](https://help.moneysavingexpert.com/en/articles/9925588-how-do-i-ask-for-a-product-to-be-reviewed-or-mentioned-by-mse.md)
- [Not got your MSE 'Blagged' broadband/phone/TV voucher?](https://help.moneysavingexpert.com/en/articles/9925591-not-got-your-mse-blagged-broadband-phone-tv-voucher.md)
- [Why is MoneySavingExpert.com charging me?](https://help.moneysavingexpert.com/en/articles/9925595-why-is-moneysavingexpert-com-charging-me.md)

## Credit Club

- [The system says I've failed verification. Help!](https://help.moneysavingexpert.com/en/articles/9925600-the-system-says-i-ve-failed-verification-help.md)
- [How do I register for Credit Club?](https://help.moneysavingexpert.com/en/articles/9925606-how-do-i-register-for-credit-club.md)
- [My previous address isn't in the UK - can I still sign up to Credit Club?](https://help.moneysavingexpert.com/en/articles/9925608-my-previous-address-isn-t-in-the-uk-can-i-still-sign-up-to-credit-club.md)
- [My address isn't listed - can I still sign up?](https://help.moneysavingexpert.com/en/articles/9925615-my-address-isn-t-listed-can-i-still-sign-up.md)
- [Why has my credit score gone down?](https://help.moneysavingexpert.com/en/articles/9925618-why-has-my-credit-score-gone-down.md)
- [What if something's wrong on my TransUnion Credit Report?](https://help.moneysavingexpert.com/en/articles/9925619-what-if-something-s-wrong-on-my-transunion-credit-report.md)
- [How can I improve my credit score?](https://help.moneysavingexpert.com/en/articles/9925620-how-can-i-improve-my-credit-score.md)
- [I have recently married/changed my name, how do I add this to my credit report?](https://help.moneysavingexpert.com/en/articles/9925622-i-have-recently-married-changed-my-name-how-do-i-add-this-to-my-credit-report.md)
- [What will I see on my credit report\(s\) when I use Credit Club?](https://help.moneysavingexpert.com/en/articles/9925627-what-will-i-see-on-my-credit-report-s-when-i-use-credit-club.md)
- [Signing up to Credit Club shows on my credit report - does that have an impact on my ability to get credit?](https://help.moneysavingexpert.com/en/articles/9925630-signing-up-to-credit-club-shows-on-my-credit-report-does-that-have-an-impact-on-my-ability-to-get-credit.md)
- [Why is my disposable income considered ‘poor’ when I have plenty of spare cash at the end of the month?](https://help.moneysavingexpert.com/en/articles/9925634-why-is-my-disposable-income-considered-poor-when-i-have-plenty-of-spare-cash-at-the-end-of-the-month.md)
- [Why do I have a low affordability score, when I have a high TransUnion Credit Score and MSE Credit Eligibility Rating?](https://help.moneysavingexpert.com/en/articles/9925641-why-do-i-have-a-low-affordability-score-when-i-have-a-high-transunion-credit-score-and-mse-credit-eligibility-rating.md)
- [Will you let me know as soon as anything changes on my TransUnion Credit Score or report?](https://help.moneysavingexpert.com/en/articles/9925646-will-you-let-me-know-as-soon-as-anything-changes-on-my-transunion-credit-score-or-report.md)
- [Where does my credit report information in Credit Club come from?](https://help.moneysavingexpert.com/en/articles/9925649-where-does-my-credit-report-information-in-credit-club-come-from.md)
- [What is a credit report?](https://help.moneysavingexpert.com/en/articles/9925652-what-is-a-credit-report.md)
- [What should I be checking on my TransUnion Credit Report?](https://help.moneysavingexpert.com/en/articles/9926648-what-should-i-be-checking-on-my-transunion-credit-report.md)
- [Where can I see my full TransUnion Credit Report details?](https://help.moneysavingexpert.com/en/articles/9925655-where-can-i-see-my-full-transunion-credit-report-details.md)
- [Why has my TransUnion Credit Score dropped since moving house?](https://help.moneysavingexpert.com/en/articles/9925662-why-has-my-transunion-credit-score-dropped-since-moving-house.md)
- [Do joint products affect my ability to get credit?](https://help.moneysavingexpert.com/en/articles/9925669-do-joint-products-affect-my-ability-to-get-credit.md)
- [Do student loans appear on my credit report?](https://help.moneysavingexpert.com/en/articles/9925676-do-student-loans-appear-on-my-credit-report.md)
- [What do I do if there’s information missing from my TransUnion Credit Report?](https://help.moneysavingexpert.com/en/articles/9925680-what-do-i-do-if-there-s-information-missing-from-my-transunion-credit-report.md)
- [What should I do if I think there's fraudulent information on my TransUnion Credit Report?](https://help.moneysavingexpert.com/en/articles/9925684-what-should-i-do-if-i-think-there-s-fraudulent-information-on-my-transunion-credit-report.md)
- [I have debt problems. Will Credit Club help me?](https://help.moneysavingexpert.com/en/articles/9925726-i-have-debt-problems-will-credit-club-help-me.md)
- [How can I make a complaint about Credit Club?](https://help.moneysavingexpert.com/en/articles/9925731-how-can-i-make-a-complaint-about-credit-club.md)
- [How often will Credit Club email me?](https://help.moneysavingexpert.com/en/articles/9926014-how-often-will-credit-club-email-me.md)
- [How can you provide my TransUnion Credit Score and Credit Report for free?](https://help.moneysavingexpert.com/en/articles/9926019-how-can-you-provide-my-transunion-credit-score-and-credit-report-for-free.md)
- [Who is TransUnion?](https://help.moneysavingexpert.com/en/articles/9926024-who-is-transunion.md)
- [How is my MSE Credit Eligibility Rating calculated?](https://help.moneysavingexpert.com/en/articles/9926029-how-is-my-mse-credit-eligibility-rating-calculated.md)
- [What do I do if the information you have on me is wrong?](https://help.moneysavingexpert.com/en/articles/9926038-what-do-i-do-if-the-information-you-have-on-me-is-wrong.md)
- [I'm shown as pre-approved for a product. What does that mean?](https://help.moneysavingexpert.com/en/articles/9926043-i-m-shown-as-pre-approved-for-a-product-what-does-that-mean.md)
- [My eligibility score showed as 90% - why didn't I get accepted?](https://help.moneysavingexpert.com/en/articles/9926047-my-eligibility-score-showed-as-90-why-didn-t-i-get-accepted.md)
- [Why isn't my credit card provider shown in the card options?](https://help.moneysavingexpert.com/en/articles/9926056-why-isn-t-my-credit-card-provider-shown-in-the-card-options.md)
- [How often will my credit report be updated within Credit Club?](https://help.moneysavingexpert.com/en/articles/9926059-how-often-will-my-credit-report-be-updated-within-credit-club.md)
- [How are my Affordability Scores calculated?](https://help.moneysavingexpert.com/en/articles/9926126-how-are-my-affordability-scores-calculated.md)
- [Why does my TransUnion Credit Score on Credit Club differ from other credit reporting tools?](https://help.moneysavingexpert.com/en/articles/9926129-why-does-my-transunion-credit-score-on-credit-club-differ-from-other-credit-reporting-tools.md)
- [Does my income affect my credit profile?](https://help.moneysavingexpert.com/en/articles/9926131-does-my-income-affect-my-credit-profile.md)
- [How do the MSE Credit Eligibility Rating, Credit and Affordability Scores differ?](https://help.moneysavingexpert.com/en/articles/9926443-how-do-the-mse-credit-eligibility-rating-credit-and-affordability-scores-differ.md)
- [What happens if I don't log in to Credit Club every month?](https://help.moneysavingexpert.com/en/articles/9926448-what-happens-if-i-don-t-log-in-to-credit-club-every-month.md)
- [How do I update my personal details on my account?](https://help.moneysavingexpert.com/en/articles/9926139-how-do-i-update-my-personal-details-on-my-account.md)
- [Why do I need to reconfirm my details when I log in?](https://help.moneysavingexpert.com/en/articles/9926141-why-do-i-need-to-reconfirm-my-details-when-i-log-in.md)
- [I've forgotten my Credit Club password - is there any way to reset this?](https://help.moneysavingexpert.com/en/articles/9926144-i-ve-forgotten-my-credit-club-password-is-there-any-way-to-reset-this.md)
- [How do I delete my Credit Club account?](https://help.moneysavingexpert.com/en/articles/9926151-how-do-i-delete-my-credit-club-account.md)
- [How do I get in touch to give you feedback about Credit Club?](https://help.moneysavingexpert.com/en/articles/9926157-how-do-i-get-in-touch-to-give-you-feedback-about-credit-club.md)
- [How do I let you know about a bereavement for Credit Club?](https://help.moneysavingexpert.com/en/articles/9926227-how-do-i-let-you-know-about-a-bereavement-for-credit-club.md)
- [How do I add a new or previous address to my account?](https://help.moneysavingexpert.com/en/articles/9926228-how-do-i-add-a-new-or-previous-address-to-my-account.md)

## Cheap Energy Club

- [Cheap Energy Club is back - what's changed?](https://help.moneysavingexpert.com/en/articles/9926231-cheap-energy-club-is-back-what-s-changed.md)
- [Why’ve you changed the way I log in to Cheap Energy Club?](https://help.moneysavingexpert.com/en/articles/10766355-why-ve-you-changed-the-way-i-log-in-to-cheap-energy-club.md)
- [Does it cost more to switch via Cheap Energy Club?](https://help.moneysavingexpert.com/en/articles/9926235-does-it-cost-more-to-switch-via-cheap-energy-club.md)
- [Does MSE make money when I switch energy?](https://help.moneysavingexpert.com/en/articles/9926239-does-mse-make-money-when-i-switch-energy.md)
- [Do you include all tariffs on the market?](https://help.moneysavingexpert.com/en/articles/9926241-do-you-include-all-tariffs-on-the-market.md)
- [How is the estimated cost of a tariff calculated?](https://help.moneysavingexpert.com/en/articles/9926242-how-is-the-estimated-cost-of-a-tariff-calculated.md)
- [How are my savings calculated?](https://help.moneysavingexpert.com/en/articles/9926243-how-are-my-savings-calculated.md)
- [How does the MSE customer service rating work in Cheap Energy Club?](https://help.moneysavingexpert.com/en/articles/9926247-how-does-the-mse-customer-service-rating-work-in-cheap-energy-club.md)
- [Do your tariff rates and charges include VAT?](https://help.moneysavingexpert.com/en/articles/9926251-do-your-tariff-rates-and-charges-include-vat.md)
- [How does energy switching work?](https://help.moneysavingexpert.com/en/articles/9926253-how-does-energy-switching-work.md)
- [How is Ofgem's Price Cap factored into my results?](https://help.moneysavingexpert.com/en/articles/9926255-how-is-ofgem-s-price-cap-factored-into-my-results.md)
- [How long does it take to switch energy suppliers?](https://help.moneysavingexpert.com/en/articles/9926256-how-long-does-it-take-to-switch-energy-suppliers.md)
- [I've changed my mind - how do I cancel my switch?](https://help.moneysavingexpert.com/en/articles/9926262-i-ve-changed-my-mind-how-do-i-cancel-my-switch.md)
- [Can I time an energy switch to take place after my contract ends?](https://help.moneysavingexpert.com/en/articles/9926263-can-i-time-an-energy-switch-to-take-place-after-my-contract-ends.md)
- [How often can I switch my energy supplier?](https://help.moneysavingexpert.com/en/articles/9926268-how-often-can-i-switch-my-energy-supplier.md)
- [Will I be credit checked when I apply to switch my energy?](https://help.moneysavingexpert.com/en/articles/9926270-will-i-be-credit-checked-when-i-apply-to-switch-my-energy.md)
- [I'm on a fix, can I take it with me if I move home?](https://help.moneysavingexpert.com/en/articles/9926273-i-m-on-a-fix-can-i-take-it-with-me-if-i-move-home.md)
- [Do smart meters affect switching?](https://help.moneysavingexpert.com/en/articles/9926274-do-smart-meters-affect-switching.md)
- [What is Economy 7? Can I save?](https://help.moneysavingexpert.com/en/articles/9926277-what-is-economy-7-can-i-save.md)
- [I have multiple electricity meters. Can I still switch energy suppliers easily?](https://help.moneysavingexpert.com/en/articles/9926278-i-have-multiple-electricity-meters-can-i-still-switch-energy-suppliers-easily.md)
- [I have solar panels - can I still switch?](https://help.moneysavingexpert.com/en/articles/9926279-i-have-solar-panels-can-i-still-switch.md)
- [What is a green tariff?](https://help.moneysavingexpert.com/en/articles/9926283-what-is-a-green-tariff.md)
- [Will I lose my Warm Home Discount if I switch?](https://help.moneysavingexpert.com/en/articles/9926289-will-i-lose-my-warm-home-discount-if-i-switch.md)
- [Who do I contact if something goes wrong with my switch?](https://help.moneysavingexpert.com/en/articles/9926290-who-do-i-contact-if-something-goes-wrong-with-my-switch.md)
- [I've called the supplier and it doesn't know about my switch](https://help.moneysavingexpert.com/en/articles/9926467-i-ve-called-the-supplier-and-it-doesn-t-know-about-my-switch.md)
- [I've an issue with my supplier - how do I raise this?](https://help.moneysavingexpert.com/en/articles/9926297-i-ve-an-issue-with-my-supplier-how-do-i-raise-this.md)
- [Do I need to pay my first Direct Debit payment upfront?](https://help.moneysavingexpert.com/en/articles/9926299-do-i-need-to-pay-my-first-direct-debit-payment-upfront.md)
- [I'm on a Price-Capped tariff - can I still switch?](https://help.moneysavingexpert.com/en/articles/9926641-i-m-on-a-price-capped-tariff-can-i-still-switch.md)
- [What is the energy Price Cap, and how does it affect what I pay?](https://help.moneysavingexpert.com/en/articles/9926307-what-is-the-energy-price-cap-and-how-does-it-affect-what-i-pay.md)
- [I can't afford to pay my energy bills - what can I do?](https://help.moneysavingexpert.com/en/articles/9926312-i-can-t-afford-to-pay-my-energy-bills-what-can-i-do.md)
- [How do I find out who my provider is?](https://help.moneysavingexpert.com/en/articles/9926315-how-do-i-find-out-who-my-provider-is.md)
- [How do I contact my supplier?](https://help.moneysavingexpert.com/en/articles/9926319-how-do-i-contact-my-supplier.md)
- [How do I find my MPAN/MPRN?](https://help.moneysavingexpert.com/en/articles/9926322-how-do-i-find-my-mpan-mprn.md)
- [I'm comfortably in credit, but my firm's hugely hiked my Direct Debit, is this fair?](https://help.moneysavingexpert.com/en/articles/9926325-i-m-comfortably-in-credit-but-my-firm-s-hugely-hiked-my-direct-debit-is-this-fair.md)
- [Why is my monthly Direct Debit higher in winter and lower in summer?](https://help.moneysavingexpert.com/en/articles/9926342-why-is-my-monthly-direct-debit-higher-in-winter-and-lower-in-summer.md)
- [What will I pay when my energy fix ends?](https://help.moneysavingexpert.com/en/articles/9926345-what-will-i-pay-when-my-energy-fix-ends.md)
- [What's the Warm Home Discount?](https://help.moneysavingexpert.com/en/articles/9926346-what-s-the-warm-home-discount.md)
- [What should I do about my energy supply when moving house?](https://help.moneysavingexpert.com/en/articles/9926348-what-should-i-do-about-my-energy-supply-when-moving-house.md)
- [My energy supplier has gone bust - what now?](https://help.moneysavingexpert.com/en/articles/9926351-my-energy-supplier-has-gone-bust-what-now.md)
- [How do I update my usage or tariff details on my Cheap Energy Club account?](https://help.moneysavingexpert.com/en/articles/9926358-how-do-i-update-my-usage-or-tariff-details-on-my-cheap-energy-club-account.md)
- [I can't find my tariff - help!](https://help.moneysavingexpert.com/en/articles/9926360-i-can-t-find-my-tariff-help.md)
- [I don't know the split between my gas and electricity payments - can I guess?](https://help.moneysavingexpert.com/en/articles/9926507-i-don-t-know-the-split-between-my-gas-and-electricity-payments-can-i-guess.md)
- [How do I change my Cheap Energy Club email address?](https://help.moneysavingexpert.com/en/articles/9926369-how-do-i-change-my-cheap-energy-club-email-address.md)
- [How do I change my address in my Cheap Energy Club account?](https://help.moneysavingexpert.com/en/articles/9926370-how-do-i-change-my-address-in-my-cheap-energy-club-account.md)
- [When will I get my Cheap Energy Club cashback?](https://help.moneysavingexpert.com/en/articles/9926372-when-will-i-get-my-cheap-energy-club-cashback.md)
- [Why do you pay cashback?](https://help.moneysavingexpert.com/en/articles/9926377-why-do-you-pay-cashback.md)
- [My switch has completed - why does it still show as 'in progress'?](https://help.moneysavingexpert.com/en/articles/9926378-my-switch-has-completed-why-does-it-still-show-as-in-progress.md)

## MSE Weekly Tips Email

- [I've stopped receiving the weekly MSE Money Tips email, what do I do?](https://help.moneysavingexpert.com/en/articles/9926381-i-ve-stopped-receiving-the-weekly-mse-money-tips-email-what-do-i-do.md)
- [How do I manage my MSE weekly Money Tips email subscription?](https://help.moneysavingexpert.com/en/articles/9926384-how-do-i-manage-my-mse-weekly-money-tips-email-subscription.md)
- [Using Gmail? Check your settings to ensure you get our email](https://help.moneysavingexpert.com/en/articles/9926386-using-gmail-check-your-settings-to-ensure-you-get-our-email.md)

## MSE App & MyMSE

- [What are the features of the MoneySavingExpert app?](https://help.moneysavingexpert.com/en/articles/12639286-what-are-the-features-of-the-moneysavingexpert-app.md)
- [Why should I register for the MSE App?](https://help.moneysavingexpert.com/en/articles/12639321-why-should-i-register-for-the-mse-app.md)
- [What is 'MyMSE'?](https://help.moneysavingexpert.com/en/articles/9926390-what-is-mymse.md)
- [How do I download the MSE App?](https://help.moneysavingexpert.com/en/articles/9926392-how-do-i-download-the-mse-app.md)
- [Can I log in to the MSE App with the details I've used with Credit Club, Cheap Energy Cub, or the MSE Forum?](https://help.moneysavingexpert.com/en/articles/9926409-can-i-log-in-to-the-mse-app-with-the-details-i-ve-used-with-credit-club-cheap-energy-cub-or-the-mse-forum.md)
- [How do you keep my data safe?](https://help.moneysavingexpert.com/en/articles/12639330-how-do-you-keep-my-data-safe.md)
- [What devices will the app work on?](https://help.moneysavingexpert.com/en/articles/12639342-what-devices-will-the-app-work-on.md)
- [What notifications will the app send me?](https://help.moneysavingexpert.com/en/articles/12639354-what-notifications-will-the-app-send-me.md)
- [Why was I asked to reset my password?](https://help.moneysavingexpert.com/en/articles/13972009-why-was-i-asked-to-reset-my-password.md)

## The MSE Forum

- [How do I join the MSE Forum?](https://help.moneysavingexpert.com/en/articles/9926410-how-do-i-join-the-mse-forum.md)
- [I'm new to the MSE Forum, where do I start?](https://help.moneysavingexpert.com/en/articles/9926411-i-m-new-to-the-mse-forum-where-do-i-start.md)
- [I've forgotten my MSE Forum password, how do I reset it?](https://help.moneysavingexpert.com/en/articles/9926415-i-ve-forgotten-my-mse-forum-password-how-do-i-reset-it.md)