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• 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.

• Appealing a tax credits decision at a tribunal

  What to expect at a tax credits tribunal hearing and how best to prepare for it.

• Credit rating - impact of debt management plan

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

• 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.

• 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.

• 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.

• Check if a change affects your Pension Credit

  Find out what changes of circumstances you have to report to make sure you get the right amount of Pension Credit.

• Letter to cancel a credit agreement before it starts

  Use this letter to let a creditor know that you want to withdraw from a credit agreement before it is executed.

• Challenging a Pension Credit decision - mandatory reconsideration

  How to challenge a Pension Credit decision and apply for mandatory reconsideration.

• County court judgments and your credit rating - overview

  How to find out if a CCJ has been made against you and change or remove an entry in the Register of Judgments, Orders and Fines