UK · Free · No judgement
Bad credit?
Let's fix it, step by step.
A no-judgement plan to stabilise, clean up and rebuild your credit — built with you, not sold to you.
Sample plan
Persona
Just fell behind
- StabiliseBuild a one-page budget
- StabiliseContact creditors this week
- Clean upPull your free credit file
- BuildKeep utilisation under 30%
You'll get a personal version of this after the check-up.
How it works
Diagnose → Plan → Act & track. That's it.
01
Diagnose
A short, plain-English check-up. No score yet — just understanding.
02
Plan
We turn your answers into a personal plan with 6–10 small, ranked actions.
03
Act & track
Tools, templates and check-ins. Tick things off as you go.
No-judgement check-up
A short questionnaire. No credit pull, no score yet — just clarity.
A real plan, ranked
6–10 steps ordered by impact and effort. Templates and tools attached.
Transparent options
Free help first. High-cost products clearly flagged with the risks spelled out.
Honest, by design
We point to free debt charities before any product.
StepChange, National Debtline and Citizens Advice are free and won't sell you anything. If they're the right fit, that's what your plan will say — even when a paid option would earn us a referral fee.