Experian, a credit-rating service, faced scrutiny after allegedly encouraging a woman, identified by the BBC as Iona Bain, to take out more credit cards despite her nearing debt freedom. Bain, who had previously accumulated £10,000 in credit card debt, reported to BBC Panorama that Experian bombarded her with emails promoting high-interest credit card offers as she approached paying off her balance.

The incident highlights concerns among consumer groups that offers of additional credit, including those from credit-scoring companies, can exacerbate financial difficulties for vulnerable individuals. Approximately 35 million people in the UK hold credit cards, according to industry figures, and many struggle with repayments. Annual Percentage Rates (APRs), encompassing fees and charges, can vary significantly.

Experian stated to Panorama that it is developing a process to identify potentially vulnerable customers and prevent them from receiving marketing emails. The company also maintained that the credit options presented to Bain could have facilitated faster or cheaper debt repayment.

The BBC report underscores the potential conflict of interest inherent in credit-scoring companies profiting from increased borrowing while simultaneously advising consumers on financial management. The long-term impact of such practices on the UK's consumer debt market remains to be seen.