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• 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.

• 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.

• 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

• 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

• Before you claim Pension Credit

  Overview and content list for before you claim pension credit. Get information and check if you can get pension credit and how to claim.

• 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.