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Taking steps to sort out your debt with a debt solution is a good thing, right. So why does it show up on your credit score? Fact is, if you’re struggling with repayments, it will already be showing on your credit score.
If you have a Trust Deed (because you live in Scotland), this won’t actually show on your credit file. BUT… if you miss payments to your Trust Deed, your creditors can register a DEFAULT NOTICE. This goes onto your credit score for as many as 6 years. So it will strongly put off any other creditors from lending to you.
If you have an IVA (because you live in England, Wales or Northern Ireland), this will show up on your credit score for 6 years – whether you miss any payments or not.
We recommend you check your credit score once your debt solution is all paid up, to make sure it’s taken off your records.
You can have a clean sheet and start again!
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Click below and we’ll tell you a little bit
more about us. Our story is based around
our experience with problem debt.
Find out why we enjoy what we do here at
BacktoBlack, what makes us tick, and how we
can help you change your life for the better!
Don’t worry, we know how you feel.
All these fancy debt words are hard to keep
track of. So to make things easier for you, we’ve
put together a BacktoBlack Debtionary to help
explain the jargon! That way you’ll be up to speed
in no time at all, and ready for that pub quiz.