Credit Files & Scores
How to read your credit file, what actually affects your score and how to rebuild after debt problems.
How to check your credit file — and fix errors
The three UK credit reference agencies each hold slightly different data. You should check all three regularly.
Read the full guideCorrecting mistakes on your credit file
You have a legal right to have inaccurate information corrected — for free.
Read the full guideRelated guides
Similar topics you may find helpful
Explore related debt topics like mortgage arrears, council tax debt and more — all written in plain English.
Defaults & Missed Payments
What a default really is, when one can be registered and how long it stays on your credit file.
2 guidesCredit Cards
How credit card debt builds up, how minimum payments really work and the options if repayments are becoming unmanageable.
4 guidesPersonal Loans
Understanding personal loans, the difference between secured and unsecured borrowing, and what happens when you fall behind.
4 guidesPayday Loans
Short-term, high-cost credit designed to be repaid on your next payday. Rules changed in 2015 — knowing them is often the key to a refund.
2 guidesOverdrafts
Why bank overdrafts have quietly become one of the most expensive ways to borrow — and what to do if you can't clear the balance.
2 guidesStore Cards
Store cards look like store loyalty programmes but are credit agreements — often with the highest APRs on the high street.
2 guidesNot sure where to start? We'll walk you through it.
A quick, confidential chat with a friendly team member. No pressure, no jargon — just a clear picture of the options that suit your situation.