Debt and credit articles
Clear, practical guides covering credit reports, debt letters, court action and the debt solutions available across the UK.
- 🇬🇧 UK🌍 Global
Warning Signs That Debt Is Becoming Unmanageable
The indicators free debt advisers hear most often, grouped by stage, and the three signals that are routinely misread.
- 🇬🇧 UK🌍 Global
The First Seven Days: Acting on a Debt Problem
A seven-day sequence for acting on a debt problem, from opening the post to booking free regulated advice. No solution is decided…
- 🇬🇧 UK🌍 Global
Debt Solutions in Scotland: A Separate Statutory System
Scotland runs a separate statutory debt system. The four Scottish routes, how they map onto the English equivalents, and how diligence works.
- 🇬🇧 UK🌍 Global
Debt Solutions in England and Wales Compared
The four main debt solutions in England and Wales compared on type, cost, protection and who each one is designed for.
- 🇬🇧 UK🌍 Global
Should You Use a Credit-Builder Card After a Debt Solution?
A credit-builder card can create new repayment history, but it is not necessary for everyone and can be expensive if interest is…
- 🇬🇧 UK🌍 Global
Mortgage After an IVA, DRO or DMP: What Lenders May Consider
Obtaining a mortgage after an Individual Voluntary Arrangement (IVA), Debt Relief Order (DRO) or Debt Management Plan (DMP) may be possible, but…
- 🇬🇧 UK🌍 Global
How to Prove That Your Debt Relief Order (DRO) Has Ended
The discharge notification, the insolvency register entry and the credit file each prove something different once a debt relief order ends.
- 🇬🇧 UK🌍 Global
Does Completing an Individual Voluntary Arrangement (IVA) Mark a County Court Judgment (CCJ) as Satisfied?
Completing an Individual Voluntary Arrangement (IVA) does not automatically mean every included County Court Judgment (CCJ) has been paid in full. A…
- 🇬🇧 UK🌍 Global
My Debt Management Plan (DMP) Has Finished: What Happens to My Credit File?
Completing a debt management plan does not clear the record. What stays on the file, for how long, and which entries are…
- 🇬🇧 UK🌍 Global
Creditor or Credit Reference Agency: Who Should Correct an Error?
You can report an error to the Credit Reference Agency (CRA), but the organisation that supplied the account data often has to…
- 🇬🇧 UK🌍 Global
Can You Obtain an Old Credit Report for an Ombudsman Complaint?
Credit-report apps usually show current data and limited history, not a perfect snapshot of what a lender would have seen years ago.…
- 🇬🇧 UK🌍 Global
Can You Get a Mortgage After a Debt Management Plan (DMP)?
A mortgage after a Debt Management Plan (DMP) may be possible, but acceptance is not guaranteed. Lenders can consider defaults, missed-payment history,…