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• 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.

• Borrowing money

  Overview and content list for borrowing money. Read our advice including types of borrowing, getting the best deal and some tips for lending money

• 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.

• Letter to make a claim for equal liability from a credit provider

  Letter to credit provider claiming equal liability for goods or services bought on credit.

• 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

• Loans

  Overview and content list for loans. Read information about loans, including payday loans and information about credit brokers.

• Switching from prepayment to paying by credit

  Replace your prepayment meter or switch your smart meter over so you pay for energy after you use it instead of paying in advance