If you’ve just come out of a debt arrangement, understanding what credit reference agencies (CRAs) know — and how they report it — is essential for rebuilding your financial profile.
There are three main CRAs in the UK: Experian, Equifax, and TransUnion. Each of them holds a version of your credit file, which lenders and service providers use when deciding whether to approve applications.
Payment history: Missed or late payments stay on your record for up to 6 years.
Credit accounts: This includes loans, cards, utilities, and more — along with their balance and status.
Defaults and debt solutions: If you entered a formal arrangement, it will be noted — and should show as completed once finished.
Public records: County Court Judgments (CCJs), bankruptcies, DROs, and IVAs all appear here.
Electoral roll status: Whether you’re registered to vote at your current address — a quick, easy score booster.
Financial associations: People you’ve had joint credit with in the past may still be linked to your file.
Make sure your record shows the arrangement as complete. This is crucial and often missed.
Debts should be marked as ‘settled’ or ‘satisfied’ with zero balances.
Default dates should not be newer than the start of your arrangement — incorrect dates extend the damage.
💡 Our service helps ensure your records with all three CRAs are checked, corrected, and consistent — helping you move on with a clean, accurate profile.