The credit profile of a borrower has always been at the centre of the mortgage process. Whether a borrower has a good credit history or not plays a fundamental role in getting a cheaper mortgage. This year, two important changes came into effect that change the credit reporting landscape, and how brokers can help borrowers access a better mortgage. In this episode of In Focus, partnered by Credit Fix Solutions, editor Annie Kane sits down with Credit Fix Solutions chief executive Victoria Coster to understand what's been shaping the credit space this year, the real impact of buy now, pay later on credit scores, and how brokers can help ensure their clients are putting their best foot forward. Tune in to find out: - The new credit repair regulatory regime- Comprehensive credit reporting and what it entails - How brokers can help their clients improve their credit score And much more!