Money & budgeting · 5 min read
How debt solutions affect your credit score — and how to rebuild it
Worry about credit scores stops many people getting help. In reality, if you're already missing payments, your score is likely being affected anyway — and it can be rebuilt.
How long things stay on your file
- Missed payments and defaults: six years
- Debt management plan: defaults recorded during the plan stay for six years
- IVA, DRO and bankruptcy: six years from the start date
- CCJs: six years from the judgment date
Rebuilding your credit
- Register on the electoral roll
- Pay household bills on time
- Check your credit reports for errors
- Once allowed, use a small credit-builder card and clear it monthly
This article is general information only and may not reflect your circumstances. Rules and limits can change, so always check the details with an authorised provider before making a decision.
Let's see if we can help
Safe, secure, confidential
- Step 1
- Step 2
- Step 3
- Step 4
- Step 5
Why do we ask this?
Your total debt amount helps us match you with solutions designed for your level of borrowing.
Friendly UK team
Confidential support
No upfront fees
