A CCJ on your file
A CCJ from years ago is treated very differently to one from months ago, and the amount matters too.
Read the guide →Adverse credit guides, by type
A CCJ, a default, a debt management plan, an IVA, bankruptcy, a missed payment, a repossession: lenders read each of these differently, and the guide that helps you starts with which one applies to you. Pick your situation below to see what a lender actually looks at, and what's within your control.
Read the six-month pre-application guideA guide for each type of adverse credit
Lenders weigh a CCJ differently to a default, a default differently to an IVA. Find the guide that covers what's actually on your file.
A default on your record
Defaults are assessed on age, size and whether they've been satisfied, not simply on whether one exists.
Read the guide →Missed payments on your file
How many payments you've missed, how recently, and how much they were for all change how lenders read them.
Read the guide →A debt management plan
Lenders look at whether your DMP is still active or has been completed, and how your payments have held up since.
Read the guide →An IVA, during or after
Whether you're still inside an IVA or have completed one changes which lenders will even consider your application.
Read the guide →Bankruptcy and what follows
Discharge date, time since, and how your finances have behaved since are what specialist lenders weigh up.
Read the guide →Which guide matches what's on your file?
A CCJ, a default, a debt management plan, an IVA, bankruptcy and a repossession are not treated the same way by a lender. Read the guide that matches your situation, or use the tool below to work through the questions a lender would ask.