Guides
Rebuilding your credit after an IVA, DRO, DMP or Trust Deed
What lenders look at, the basics to put in place, and the steady habits that move your file forward, with a guide for each solution.
Free to use, no obligation. The plan itself won't affect your credit score.
Written and reviewed by the AfterMy team · Last reviewed October 2026
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How do you rebuild your credit after a debt solution?
Rebuilding credit is less about one big move and more about a run of small, steady ones.
Start with the basics, and keep any credit you use small and easy to manage.
- Get the basics in place: the electoral roll, a current account in your name, and accurate details on your file.
- Pay on time, every time: that record is what lenders read next.
What do lenders look at on your credit file?
Lenders look at how you handle the credit you have now and whether your payments arrive on time.
An IVA, a DRO, a DMP and a Trust Deed each leave a different mark on your file, which is why there's a guide below for each one.
After an IVA
3 guidesAfter a DRO
3 guidesFinished your debt solution? Your Comeback Plan maps your dates and shows options from our panel you may be able to apply for. It is not advice, and acceptance is never guaranteed.
Start your Comeback PlanAfter a DMP
2 guidesAfter a Trust Deed
2 guidesAll arrangements
1 guideQuestions
Frequently asked questions
Can I rebuild my credit after a debt solution?
Yes. Finishing your solution is the point where you can start adding positive history to your file, and each on-time payment builds on the last.
Does a credit-builder app help my credit file?
It can add a record of on-time payments, which is what lenders look at. It works best alongside the basics: being on the electoral roll and keeping your details accurate.
Is rebuilding credit different after a DMP?
A DMP is not insolvency, so there's no single marker: each debt carries its own. The basics are the same, and the DMP guides cover what's different.
Can I start rebuilding while I'm still in my solution?
Borrowing during an arrangement has rules attached, so the focus while it's running is getting ready: check your credit file, make sure you're on the electoral roll and keep your details accurate.
Ready when you are
Your Comeback Plan maps your dates and shows options from our panel you may be able to apply for. It is not advice, and acceptance is never guaranteed.
Start your Comeback Plan