Guides
Clear, jargon-free guides to rebuilding your credit and reopening your options after a debt solution, whatever stage you're at.
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- After an IVA
Rebuilding credit after an IVA
The foundations that get your file healthy again.
- After an IVA
Credit cards after an IVA
Which builder cards accept a completed IVA, and when.
- After an IVA
How long after an IVA can I get credit?
What opens up when, from day one to the day your file clears.
- After an IVA
Mortgages after an IVA
When you can buy, and the specialist brokers who say yes.
- After an IVA
Loans after an IVA
When it's worth borrowing, and who lends fairly.
- After a DRO
Rebuilding credit after a DRO
The foundations that get your file healthy again.
- After a DRO
Credit cards after a DRO
Which builder cards help, and how to use one safely.
- After a DRO
How long after a DRO can you get credit?
The realistic timeline while the six-year marker runs down.
- After a DRO
Mortgages after a DRO
When you can buy, and the deposit you'll need.
- After a DRO
Loans after a DRO
When it's worth borrowing, and who lends fairly.
- After an IVA
Credit cards during an IVA
The £500 rule, and why waiting until completion is usually smart.
- After an IVA
Borrowing during an IVA
The £500 rule, lender reality, and why waiting usually wins.
- After an IVA
What happens when my IVA ends
The completion certificate, your credit file, and what reopens.
- After a DMP
Credit during a DMP
No legal limit, but harder in practice. Here's why.
- After a DMP
What happens when my DMP ends
No certificate, no register. Here's how your file recovers.
- After a DRO
How long a DRO lasts
The 12-month period, the £500 rule, and the 6-year marker.
- After a Trust Deed
Credit during a Trust Deed
The £2,000 rule, trustee permission, and why waiting wins.
- After a DRO
What happens after the 12 months?
The write-off, the quiet day itself, and the first jobs worth doing.
- After a DRO
The DRO register: when your name comes off
Who can see the public register, what it shows, and the 15-month clock.
- After a DMP
How long does a DMP stay on your credit file?
No single marker: each debt clears on its own six-year clock.
- After an IVA
Finished your IVA with Creditfix?
What your completion certificate means, and what to do next.
- After an IVA
Finished your IVA with The Insolvency Group?
What your completion certificate means, and what to do next.
- After an IVA
Finished your IVA with StepChange?
What your completion certificate means, and what to do next.
- After an IVA
Finished your IVA with PayPlan?
What your completion certificate means, and what to do next.
- After an IVA
Finished your IVA with Hanover Insolvency?
What your completion certificate means, and what to do next.
- After an IVA
Finished your IVA with Kingsgate Insolvency?
What your completion certificate means, and what to do next.
- After an IVA
Finished your IVA with Knightsbridge Insolvency?
What your completion certificate means, and what to do next.
- After an IVA
When does an IVA leave your credit file?
The one date that matters, and how to work it out today.
- After an IVA
Your IVA completion certificate
What it is, when it arrives, and how to chase it.
- After an IVA
What happens to your credit score when your IVA completes
The honest timeline for when things start to improve.
- After an IVA
Checking your credit reports after completion
All three agencies, free, and what to look for.
- All arrangements
Credit-builder apps after insolvency
How they work, and where they fit in your rebuild.
- After an IVA
Credit-builder apps after an IVA
Whether it is too late, and what the marker still allows.
- After a DMP
Credit-builder apps after a DMP
Why a DMP leaves a different mark, and where a builder fits.
- After a DRO
Credit-builder apps after a DRO
Why starting early matters most when the marker runs six years.
- After a Trust Deed
Credit-builder apps after a trust deed
Scotland's route back, and where a builder fits after discharge.
- After a Trust Deed
When does a trust deed leave your credit file?
The removal date, and what changes when it passes.
- After a DRO
Life after a debt relief order
Your file now, the register clock, and how the rebuild starts.
- After a DMP
Life after a debt management plan
What happens to your file, and what you can apply for now.
- After an IVA
Windfalls after your IVA completes
What the windfall clause still covers, and when it stops applying.
- After a Trust Deed
Trust deed discharge: what happens at the end
Your letter of discharge, the write-off, and what to do next.