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
Car finance after an IVA
Getting a car on finance after your IVA completes.
- 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
Car finance after a DRO
When finance becomes realistic, and who lends.
- 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
Car finance during an IVA
When your IP can approve it, and the cash-car option worth a look.
- 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 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.
- After an IVA
Credit-builder apps after insolvency
How they work, and where they fit in your rebuild.
- After a Trust Deed
When does a trust deed leave your credit file?
The removal date, and what changes when it passes.