How it works
Your comeback, one clear step at a time
You've finished your debt solution — that took real discipline. Here's exactly what happens next, what you can get, and when. No jargon, no pressure, and we're always open about how we're paid.
Free to use, no obligation — and a soft search won't affect your credit score.
How it works
Your comeback, one clear step at a time
You've finished your debt solution — that took real discipline. Here's exactly what happens next, what you can get, and when. No jargon, no pressure, and we're always open about how we're paid.
Free to use, no obligation — and a soft search won't affect your credit score.
STEP 1
It starts the day you finish
The moment your IVA, DRO or DMP completes, your comeback begins — not in some distant year. Most people are told to wait. They're wrong. Some doors open straight away, and we'll show you which.
Completion certificate
IVA — completed
14
Aug 2025
Completed
STEP 2
Tell us where you're starting from
Your Comeback Plan takes a couple of minutes. You tell us your solution, your key dates and what you're aiming for — a card, a car, a mortgage, or just normal credit again. It's not an application, and it never touches your credit score.
Your Comeback Plan
Solution
IVA
Key dates
Completed 14 Aug 2025
Your goal
Choose…
Your Comeback Plan
STEP 3
We only show you what you'll actually get
We check your eligibility with a soft search — the kind that leaves no mark — and only point you toward lenders likely to say yes. No scattergun applications, no needless declines. Removing that risk is the whole reason we exist.
Soft-search matches
- Builder cardLikely yes
- Starter loanLikely yes
- Prime cardSkip
Soft search, no mark
Ready to see what fits you?
Start your Comeback PlanSTEP 4
Everything timed to your file, not guesswork
This is what makes us different. We know the exact date your credit file clears, and when your current deals run out — so your plan is staged around real dates. You always know what's worth doing now, and what's worth waiting for.
Your dated plan (example)
- Builder cardnow
- Car finance6 months
- File clears14 Aug 2027
- Mortgageready
Ready when you are
Wherever you are in your comeback, the next step is the same — see what's open to you, staged around your own dates.