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• Getting benefits if you’ve recently moved to the UK

  Check how to show you’re habitually resident, pass the ‘past presence test’ or pass the ‘3-month living in test

• Credit rating - impact of debt relief order

  Explains that a debt relief order must be noted in your credit reference file and how it affects your credit rating, making it hard to get credit in future

• Credit rating - impact of debt management plan

  Explains how having a debt management plan may affect your credit rating

• How lenders decide whether to give you credit

  Information on credit scoring, credit rating, credit reference agencies and how they decide whether or not to give you credit

• Credit rating - impact of an administration order

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

• Taking action over credit brokers

  Explains how to get your money back from a credit broker, if they have taken payment from you without your permission

• Plastic cards

  Introductory information about the various types of plastic cards available, covering credit cards, store cards and charge cards, and prepayment cards

• Getting a bank account

  Information on how to get a bank account, types of account available and switching from one bank or building society to another