Debt and credit articles
Clear, practical guides covering credit reports, debt letters, court action and the debt solutions available across the UK.
- 🇬🇧 UK🌍 Global
How to Repair Your Credit File After an Individual Voluntary Arrangement (IVA)
Completing an Individual Voluntary Arrangement (IVA) is an important milestone, but the credit file does not repair itself overnight. Check that completion…
- 🇬🇧 UK🌍 Global
How to Clean Up Your Credit File After a Debt Relief Order (DRO)
Discharge changes what should be reported, account by account. The four fields to check and the correction worth chasing first.
- 🇬🇧 UK🌍 Global
What Does Partially Settled Mean on a Credit Report?
“Partially settled” normally means a creditor accepted less than the full contractual balance to close or settle an account. The remaining balance…
- 🇬🇧 UK🌍 Global
Why Is a Debt Still on My Credit Report After Six Years?
Many defaults disappear six years after the recorded default date, but not every debt entry follows the same timetable. If an account…
- 🇬🇧 UK🌍 Global
Hard Search vs Soft Search: What Can Lenders See?
Only one of the two is visible to other lenders. What triggers each, how long they last, and what they actually do…
- 🇬🇧 UK🌍 Global
Why Did My Credit Score Suddenly Drop?
A sudden fall in an app score is a signal to inspect your credit report, not proof that you have become a…
- 🇬🇧 UK🌍 Global
Why Experian, Equifax and TransUnion Show Different Information
Different information across Experian, Equifax and TransUnion does not automatically mean one report is wrong. Lenders and service providers may report to…
- 🇬🇧 UK🌍 Global
How to Correct an Incorrect Default Date on Your Credit Report
A wrong default date can keep a debt visible for longer than it should and make the same account look inconsistent across…
- 🇬🇧 UK🌍 Global
How to Remove a County Court Judgment (CCJ) Sent to an Old Address
Discovering a County Court Judgment (CCJ) at an old address is upsetting, particularly during a mortgage application. A judgment is not removed…
- 🇬🇧 UK🌍 Global
Free Debt Advice Charities and Helplines in the UK
You do not have to pay a commercial company to understand your debt options. Several established UK organisations provide free, confidential help,…
- 🇬🇧 UK🌍 Global
Can I Dispute a Debt? Your UK Options Explained
You can dispute a debt when you have a genuine reason to challenge liability, the amount, ownership, enforceability or the way it…
- 🇬🇧 UK🌍 Global
Free UK Credit Score and Credit Report Providers Compared
You can check the information held by the main UK Credit Reference Agencies (CRAs) without paying a monthly subscription. The key is…