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• Before you apply for Universal Credit

  Information for before you apply for Universal Credit. Find out more about what Universal Credit is, check if you're eligible and how it's paid.

• Check if you're eligible for Universal Credit

  Check if you can get Universal Credit, a benefit you can claim if you’re on a low income or unemployed. Use our tool to check if you’re eligible.

• Credit rating - impact of an administration order

  Explains how having an individual voluntary arrangement could affect your ability to apply for credit.

• Paying off a credit agreement early

  Find out if your credit agreement is covered by the Consumer Credit Act 1974 and how to pay it off early.

• Check if an IVA is right for you

  Check these steps to help you decide if an individual voluntary arrangement (IVA) is the best way to deal with your debt problems

• If you used to get Income Support

  Check what you can do now Income Support has ended. For example, checking you were paid the right amount

• If you’re struggling to pay your credit card

  Find out what to do if you are struggling to pay your credit card debt and how you can start to clear the debt you have.

• Challenging a Universal Credit decision - mandatory reconsideration

  If you disagree with the decision about your Universal Credit claim, you can ask for ‘mandatory reconsideration’. Find out how to challenge the decision.