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How to improve your credit score after a Scottish Trust Deed Credit Score After A Scottish Trust Deed
Credit Score

How to improve your credit score after a Scottish Trust Deed

Scottish Trust Deeds generally last for four years, so if you’ve successfully reached the end of yours, you’ll be starting to think about rebuilding your financial status.

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How long does a trust deed stay on your credit file? Woman smiling on her phone
Credit Score

How long does a trust deed stay on your credit file?

Entering into a Scottish trust deed is an effective way to escape unmanageable debt, and allows for a fresh financial start once the trust deed term has come to an end. As with all official debt proce...

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5 simple steps to rebuilding your credit score Rebuilding Credit Score
Credit Score

5 simple steps to rebuilding your credit score

If your credit score has been affected by problem debt, you may be looking for ways to start rebuilding it and getting on with your financial future.

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How can you contest a default on your credit file? Businessman Holding A Credit Report
Credit Score

How can you contest a default on your credit file?

If you’ve had a default placed on your credit file it can affect your financial situation in a number of ways. The drop in credit rating makes it more difficult to obtain borrowing, and in some case...

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The difference between ‘settled’ and ‘satisfied’ in a credit report
Credit Score

The difference between ‘settled’ and ‘satisfied’ in a credit report

When you look at your credit report, you’ll see various status codes marked against individual loans and other borrowing. These indicate the extent to which you’ve repaid your creditors, whether t...

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Can my debt affect the credit rating of those I live with? Stack Of Pound Coins
Credit Score

Can my debt affect the credit rating of those I live with?

If you’re worried about the effect that your debt might have on the people you live with, it’s worth knowing that credit files are independent of each other unless there is, or has been in the pas...

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How the Rental Exchange scheme can help improve credit ratings
Credit Score

How the Rental Exchange scheme can help improve credit ratings

The Rental Exchange scheme is a new initiative which allows tenants to have their monthly rental payment recorded on their credit file.

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I need a personal loan but have a poor credit score, can a credit union help me?
Credit Score

I need a personal loan but have a poor credit score, can a credit union help me?

Credit unions in Scotland provide services to more than 250,000 people and one in 20 Scottish residents are members.

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Can a default be removed from your credit file? Credit File
Credit Score

Can a default be removed from your credit file?

When lenders decide whether or not to offer you a loan, it is the information held on your credit file that forms the basis of their decision. This information also helps to combat fraud, as your iden...

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How to check your credit score for free Check Credit Score
Credit Score

How to check your credit score for free

Knowing your credit score and keeping a regular eye on your credit file can prove incredibly beneficial if you wish to apply for a mortgage, credit card, loan or other type of credit. By checking your...

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What is a Notice of Correction with your credit report? Elderly Man Checking Credit Report
Credit Score

What is a Notice of Correction with your credit report?

If the information in your credit report is misleading in some way, or misrepresents you, and the credit reference agency isn’t able to remove or amend it, you’re entitled to use a Notice of Corre...

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Getting a Mortgage with a Bad Credit Score Mortgage
Credit Score

Getting a Mortgage with a Bad Credit Score

It is possible to get a mortgage with a bad credit rating, even if you have previously been declared bankrupt. Mortgage loans for bad credit borrowers do exist – you may just need to look a little h...

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Our Insolvency Practitioners are regulated by ICAS or the IPA and our firm is authorised and regulated by the Financial Conduct Authority

We have FCA authorisation for advice relating to Debt Arrangement Schemes and we are regulated by the ICAS and IPA when giving advice as an insolvency practitioner leading to our appointment in formal insolvency proceedings

 

Fees and Information: There are fees associated with our services. These will be fully explained before entering into any of the personal debt solutions referred to on this website. Full details of our fees and how these are charged are fully explained to you prior to you committing to any particular service.

ICAS Insolvency Practitioners