Guides
Clear, jargon-free guides to rebuilding your credit and your next steps after a debt solution.
Free to use, no obligation. The plan itself won't affect your credit score. It is not advice, and acceptance is never guaranteed.
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After an IVA
Rebuilding credit after an IVA
The foundations that get your file healthy again.
Credit cards after an IVA
Which credit-builder cards consider a completed IVA.
How long after an IVA can I get credit?
How lenders see a completed IVA, and where to start.
Mortgages after an IVA
What lenders look for, and how a specialist broker helps.
Loans after an IVA
What lenders look for, and how to check before you apply.
Credit cards during an IVA
The £500 rule, and why waiting until completion is usually smart.
Borrowing during an IVA
The £500 rule, lender reality, and why waiting usually wins.
What happens when my IVA ends
The completion certificate, your credit file, and what to do next.
Finished your IVA with Creditfix?
What your completion certificate means, and what to do next.
Finished your IVA with The Insolvency Group?
What your completion certificate means, and what to do next.
Finished your IVA with StepChange?
What your completion certificate means, and what to do next.
Finished your IVA with PayPlan?
What your completion certificate means, and what to do next.
Finished your IVA with Hanover Insolvency?
What your completion certificate means, and what to do next.
Finished your IVA with Kingsgate Insolvency?
What your completion certificate means, and what to do next.
Finished your IVA with Knightsbridge Insolvency?
What your completion certificate means, and what to do next.
When does an IVA leave your credit file?
The one date that matters, and how to work it out today.
Your IVA completion certificate
What it is, when it arrives, and how to chase it.
What happens to your credit score when your IVA completes
What changes on your file, and what helps it improve.
Checking your credit reports after completion
All three agencies, free, and what to look for.
Credit-builder apps after an IVA
Whether it is too late, and what the marker still allows.
Windfalls after your IVA completes
What the windfall clause still covers, and when it stops applying.
How long does an IVA last?
An IVA runs to the term set in your own proposal, and yours can run longer.
Your IVA and the Individual Insolvency Register
Your IVA is listed on the Individual Insolvency Register while it runs.
Remortgaging after an IVA
Remortgaging after an IVA is a new application judged on your current file.
Finished your IVA with The Insolvency Practice? Here's what's next.
Independent guide: finished an IVA with The Insolvency Practice? How to contact them, get your completion certificate and check your credit file.
Finished your IVA with Unity Corporation? Here's what's next.
Independent guide: finished an IVA with Unity Corporation? How to contact them, get your completion certificate and check your credit file.
Finished your IVA with The Insolvency Guidance Group? Here's what's next.
Independent guide: finished an IVA with The Insolvency Guidance Group? How to contact them, get your completion certificate and check your credit file.
Finished your IVA with United Insolvency? Here's what's next.
Independent guide: finished an IVA with United Insolvency? How to contact them, get your completion certificate and check your credit file.
Finished your IVA with IVA Help? Here's what's next.
Independent guide: finished an IVA with IVA Help? How to contact them, get your completion certificate and check your credit file.
Finished your IVA with Quality Insolvency Services? Here's what's next.
Independent guide: finished an IVA with Quality Insolvency Services? How to contact them, get your completion certificate and check your credit file.
Finished your IVA with Bennett Jones? Here's what's next.
Independent guide: finished an IVA with Bennett Jones? How to contact them, get your completion certificate and check your credit file.
Finished your IVA with Pareto Money Management? Here's what's next.
Independent guide: finished an IVA with Pareto Money Management? How to contact them, get your completion certificate and check your credit file.
Finished your IVA with Vanguard Insolvency? Here's what's next.
Independent guide: finished an IVA with Vanguard Insolvency? How to contact them, get your completion certificate and check your credit file.
Finished your IVA with Parker Philips? Here's what's next.
Independent guide: finished an IVA with Parker Philips? How to contact them, get your completion certificate and check your credit file.
Finished your IVA with Financial Support Systems? Here's what's next.
Independent guide: finished an IVA with Financial Support Systems? How to contact them, get your completion certificate and check your credit file.
Finished your IVA with Logan Whyte? Here's what's next.
Independent guide: finished an IVA with Logan Whyte? How to contact them, get your completion certificate and check your credit file.
Finished your IVA with Swift Insolvency Solutions? Here's what's next.
Independent guide: finished an IVA with Swift Insolvency Solutions? How to contact them, get your completion certificate and check your credit file.
Finished your IVA with Financial Guidance Group? Here's what's next.
Independent guide: finished an IVA with Financial Guidance Group? How to contact them, get your completion certificate and check your credit file.
Finished your IVA with The IVA Advisor? Here's what's next.
Independent guide: finished an IVA with The IVA Advisor? How to contact them, get your completion certificate and check your credit file.
Finished your IVA with Abbotts Insolvency? Here's what's next.
Independent guide: finished an IVA with Abbotts Insolvency? How to contact them, get your completion certificate and check your credit file.
Finished your IVA with MoneyPlus? Here's what's next.
Independent guide: finished an IVA with MoneyPlus? How to contact them, get your completion certificate and check your credit file.
Finished your IVA with McCambridge Duffy? Here's what's next.
Independent guide: finished an IVA with McCambridge Duffy? How to contact them, get your completion certificate and check your credit file.
Finished your IVA with Lawson Fox? Here's what's next.
Independent guide: finished an IVA with Lawson Fox? How to contact them, get your completion certificate and check your credit file.
Finished your IVA with Advice Centre Group? Here's what's next.
Independent guide: finished an IVA with Advice Centre Group? How to contact them, get your completion certificate and check your credit file.
Finished your IVA with Forest King? Here's what's next.
Independent guide: finished an IVA with Forest King? How to contact them, get your completion certificate and check your credit file.
Finished your IVA with AFA Insolvency? Here's what's next.
Independent guide: finished an IVA with AFA Insolvency? How to contact them, get your completion certificate and check your credit file.
Finished your IVA with Debt Movement? Here's what's next.
Independent guide: finished an IVA with Debt Movement? How to contact them, get your completion certificate and check your credit file.
Finished your IVA with Anchorage Chambers? Here's what's next.
Independent guide: finished an IVA with Anchorage Chambers? How to contact them, get your completion certificate and check your credit file.
Finished your IVA with Barrington Shepherd? Here's what's next.
Independent guide: finished an IVA with Barrington Shepherd? How to contact them, get your completion certificate and check your credit file.
Finished your IVA with ARM Insolvency? Here's what's next.
Independent guide: finished an IVA with ARM Insolvency? How to contact them, get your completion certificate and check your credit file.
Finished your IVA with My Debt Plan? Here's what's next.
Independent guide: finished an IVA with My Debt Plan? How to contact them, get your completion certificate and check your credit file.
Finished your IVA with Freeman Jones? Here's what's next.
Independent guide: finished an IVA with Freeman Jones? How to contact them, get your completion certificate and check your credit file.
Finished your IVA with Aperture? Here's what's next.
Independent guide: finished an IVA with Aperture? How to contact them, get your completion certificate and check your credit file.
Finished your IVA with J3 Debt Solutions? Here's what's next.
Independent guide: finished an IVA with J3 Debt Solutions? How to contact them, get your completion certificate and check your credit file.
Finished your IVA with UK Debt Expert Group? Here's what's next.
Independent guide: finished an IVA with UK Debt Expert Group? How to contact them, get your completion certificate and check your credit file.
After a DRO
Rebuilding credit after a DRO
The foundations that get your file healthy again.
Credit cards after a DRO
Which builder cards help, and how to use one safely.
How long after a DRO can you get credit?
What lenders look at while the six-year marker is on your file.
Mortgages after a DRO
What lenders look for, and how a regulated mortgage broker helps.
Loans after a DRO
What lenders look for, and how to check before you apply.
How long a DRO lasts
The 12-month period, the £500 rule, and the 6-year marker.
What happens after the 12 months?
The write-off, the quiet day itself, and the jobs worth doing.
The DRO register: when your name comes off
Who can see the public register, what it shows, and the 15-month clock.
Credit-builder apps after a DRO
How credit-builder apps help while the six-year marker is on your file.
Life after a debt relief order
Your file now, the register clock, and how the rebuild starts.
How long does a DRO stay on your credit file?
A DRO stays on your credit file for six years from the date it started, not the date it ended.
After a DMP
Credit during a DMP
No legal limit, but harder in practice. Here's why.
What happens when my DMP ends
No certificate, no register. Here's how your file recovers.
How long does a DMP stay on your credit file?
No single marker: each debt clears on its own six-year clock.
Credit-builder apps after a DMP
Why a DMP leaves a different mark, and where a builder fits.
Life after a debt management plan
What happens to your file, and what lenders look at.
Rebuilding credit after a DMP
The foundations that get your file healthy again.
Credit cards after a DMP
Which builder cards help, and how to use one safely.
Loans after a DMP
What lenders look for, and how to check before you apply.
Mortgages after a DMP
What lenders look for, and how a regulated mortgage broker helps.
How long does a DMP last?
A debt management plan has no fixed term.
After a Trust Deed
Credit during a Trust Deed
What the law says about £2,000, and why to ask your trustee.
Credit-builder apps after a Trust Deed
Scotland's route back, and where a builder fits after discharge.
When does a Trust Deed leave your credit file?
The removal date, and what changes when it passes.
Trust Deed discharge: what happens at the end
Your discharge, the write-off, and what to do next.
Rebuilding credit after a Trust Deed
The foundations that get your file healthy again.
Credit cards after a Trust Deed
Which builder cards help, and how to use one safely.
Loans after a Trust Deed
What lenders look for, and how to check before you apply.
Mortgages after a Trust Deed
What lenders look for, and how a regulated mortgage broker helps.
Ready when you are
Your Comeback Plan maps your dates and shows options from our panel you may be able to apply for.
Start your Comeback PlanFree to use, no obligation. The plan itself won't affect your credit score.