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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.

• Updating and proving your pre-settled or settled status

  Find out how to view your status, keep it up to date and use it to prove your right to get benefits

• 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

• 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.