Business
Major shake-up to UK credit scores as Experian adds rental payments
New scoring system affects millions of borrowers across Wales and the UK
A MAJOR overhaul of the way credit scores are calculated is being rolled out this month, with Experian announcing sweeping changes to how lenders assess borrowers.
For the first time, rental payments will be included in credit score calculations, meaning tenants who consistently pay rent on time could see an improvement to their overall score.
The update is part of Experian’s move to “better reflect modern financial behaviour,” taking into account regular bills, mobile phone payments, and overdraft use.
Expanded scoring system
The company is also expanding its credit score range from 0–999 to 0–1,250, giving lenders what it calls a more detailed picture of consumers’ financial habits.
The five score bands — previously labelled from “very poor” to “excellent” — will be renamed, with Experian dropping negative colour coding such as red to make the system “less distressing” for users.
Although the changes are not expected to affect people’s actual eligibility for mortgages, loans or credit cards, more than 40% of people are likely to move down a band after the recalibration, while around 42% will move up.
Everyday spending patterns
As part of the update, Experian will start to recognise behaviours that lenders increasingly value, including cutting back on overdrafts, avoiding cash advances on credit cards, and making mortgage overpayments.
Other data such as mobile phone payments, broadband subscriptions, and switching frequency between providers will also be factored in.
Edu Castro, Managing Director of Experian Consumer Services UK & Ireland, said: “The way people manage their money has evolved, and our score has evolved too.
Paying rent on time or reducing overdraft use are now meaningful indicators of good financial management.”
Automatic updates
The new system will be introduced gradually from November 2025, with all UK customers expected to transition by the end of next year. Existing users will see their updated score automatically reflected in their accounts.
A higher score generally means access to better borrowing rates, while a lower score can affect the ability to secure credit. Experian said the update aims to give people “a clearer understanding of their financial position and more ways to improve it.”
Business
Councillor condemns closure of Haverfordwest Santander branch
A PEMBROKESHIRE councillor has spoken out after learning that the Santander branch in Haverfordwest is set to close later this year, warning the decision will have a serious impact on local residents, families and businesses.
The bank’s Bridge Street branch is due to close on Monday (May 5) as part of a wider UK restructuring programme.
Councillor Thomas Baden Tudor said he was “lost for words” and urged the bank to reconsider, describing the closure as devastating for customers who rely on face-to-face services.
Santander says the decision is driven by declining footfall, with more customers banking online, and that services will remain available via digital platforms and Post Office counters.
However, the announcement follows a steady erosion of high-street banking in Pembrokeshire. The Herald recently reported that Haverfordwest’s former Halifax branch is set to reopen as a nail salon.
In what appears to be a serious failure of planning, there is now not a single bank branch left anywhere in south Pembrokeshire. Towns including Tenby, Pembroke and Pembroke Dock are all without face-to-face banking facilities.
North Pembrokeshire has also been affected, with Fishguard and St Davids now lacking bank branches.
Pembrokeshire is understood to be left with just four bank branches in total — Nationwide in Milford Haven, and HSBC, NatWest and Lloyds Bank in Haverfordwest.
Business
Bluestone celebrates King’s Award for Enterprise at official ceremony
Pembrokeshire resort recognised as UK leader in sustainable tourism
BLUESTONE NATIONAL PARK RESORT has formally received The King’s Award for Enterprise in Sustainable Development, marking a major milestone for the Pembrokeshire-based resort.
The prestigious honour — the UK’s highest business award — was presented during an official ceremony at Bluestone’s Serendome by His Majesty’s Lord-Lieutenant of Dyfed, Miss Sara Edwards. It recognises Bluestone as the first holiday resort in the country to receive the award for sustainable development.
During the visit, the Lord-Lieutenant met founder and chief executive William McNamara, director of sustainability Marten Lewis, staff members and invited guests, while also learning more about the resort’s long-term environmental strategy and its relationship with the local community.
The award follows an extensive assessment of Bluestone’s environmental, social and economic performance. Judges highlighted major progress in reducing carbon emissions, the resort’s move to a fossil-fuel-free operation for all purchased energy — a first for a UK holiday park — and its adoption of circular economy principles. Bluestone was also praised for its support for the local economy, its work to protect and enhance wildlife, and an internal culture where sustainability is shared across the organisation. Around thirty per cent of the business is staff-owned.
Speaking at the ceremony, Miss Edwards said: “It was a great pleasure to present Bluestone with The King’s Award for Enterprise and to see first-hand the work they are doing. The team’s passion for sustainability and their commitment to protecting the local area in Pembrokeshire shone through during my visit. Bluestone’s work is having a positive and lasting impact, and they should be extremely proud of what they have achieved.”
The recognition comes at a time when the tourism sector is under increasing pressure to balance growth with environmental protection, as travellers place greater emphasis on sustainable destinations.
Marten Lewis, who has led Bluestone’s sustainability strategy, has been central to developing what the resort describes as its “operational blueprint” — combining environmental protection, community partnerships and local economic support. He has also represented Bluestone nationally and was recently congratulated in person by King Charles III at a reception for King’s Award recipients.
Reflecting on the achievement, Mr Lewis said sustainability was fundamental to the way the resort operates. He added that the award recognised years of collective effort across the business and would act as a powerful incentive to continue pushing standards higher.
Chief executive William McNamara said the award reflected a long-standing commitment to responsible tourism. He said that as travel continues to evolve, businesses have a growing duty to protect the places people come to enjoy, adding that national recognition of Bluestone’s approach was a moment of pride for the entire team.
Formerly known as The Queen’s Awards for Enterprise, the programme was renamed following the accession of King Charles III. Since its launch in 1965, more than 8,000 UK businesses have been recognised for outstanding achievement.
Business
Final wind turbine deliveries completed after months of disruption
Last major component reaches site as Dragon LNG and Dragon Energy thank communities for patience
DRAGON LNG and Dragon Energy have confirmed that the final large component for a new wind turbine project has now been successfully delivered, bringing months of complex abnormal load movements on Pembrokeshire roads to an end.
The companies said the final turbine blade was delivered to the site on Wednesday (Jan 28, 2026), marking the completion of all major component deliveries associated with the project.
In a statement, Dragon LNG and Dragon Energy thanked the local community for its patience and cooperation throughout the delivery programme, acknowledging that the operation caused disruption on local roads.

Residents across parts of the county have previously experienced temporary road closures, traffic delays and police escorts as oversized turbine components were transported from the Port of Milford Haven to the site under tightly controlled conditions.
The abnormal load movements required months of detailed planning and coordination, involving route surveys, traffic management, police support and liaison with local authorities to ensure deliveries were carried out safely and with minimal disruption wherever possible.
The companies also apologised for the inconvenience caused during the delivery phase, saying the support and understanding shown by residents had been “invaluable” in allowing the project to reach this milestone.
A number of organisations were involved in supporting the operation, including Pembrokeshire County Council, Dyfed-Powys Police, haulage specialists Collett & Sons Ltd and Green Light Traffic Management.
Local media outlets, including The Pembrokeshire Herald, provided advance notice and updates during the delivery process to help keep residents informed.
With the final major deliveries now complete, Dragon LNG and Dragon Energy said the project would continue to progress to the next phase of construction on site.
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