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ClearDebt Analyser

The ClearDebt Analyser is a unique free tool which shows you your best way out of debt - whether an IVA, debt management, debt consolidation or bankruptcy. Immediate results on screen help you say goodbye to debt worries for good!

Debt Repayment Calculator

Easy to use Debt Repayment Calculator illustrates how you can clear your debt and become debt free.

Our debt calculator illustrates the effect of a change in APR on your debts over time.

Become debt free

ClearDebt helps people beat debt and become debt free. Read about our recent cases below where we have helped clear debt.

Divorce/separation can change your financial life

IVA prevented business failure

Bankruptcy avoided, 75% debt write-off, but after a struggle

Case studies are all genuine individual cases. For confidentiality no real names or photographs are used.

	£26,707 average debt
	£1,360 per month average net income
	58% male
	42% female
	Average age 32

Debt statistics from ClearDebt generated from live user data from people who have completed our Debt Analyser.

R3 IVA standard terms and conditions

Guide 1 - Credit Rating

Credit Rating

Credit repair is an important tool in the battle to becoming debt free - especially if debt consolidation is your preferred tool. The first step in ensuring your credit rating is right is to find out what lenders know about you, and to make sure it is accurate.

This ClearDebt credit rating guide provides:

• Information about your rights to information about your credit rating
• Contact details for the main UK credit agencies
• Sample letters you can use to get a copy of your credit report
• What can improve your credit score
• Factors that injure your credit rating

This guide may help both those who are in the early stages of debt management, considering a re-mortgage or debt consolidation loan or who have been through bankruptcy or an IVA and want to begin the process of repairing their credit rating.

You can download the credit rating guide here.

Links to related ClearDebt articles:

Comparison of debt options

Debt Advice - CCJs

Debt Advice - Interim Order

Debt Help Links

Downloadable debt help guides

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ClearDebt IVA Help Online Application Form Apply Now

ClearDebt is the only IVA company to offer full online IVA applications
Five simple sections to complete a full IVA application
No time consuming filling debt forms by hand
Login when it suits you and complete at your own pace
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Latest news about UK debt

'Affordability likely to worsen for borrowers'
(5 Feb 07) A leading economist has warned that affordability levels for borrowers and homeowners are likely to deteriorate ... more >>

Finance education 'failing young people'
(4 Feb 07) A leading member of the Liberal Democrats has called the level of financial education in the ... more >>

More than 100,000 chose insolvency in 2006
(4 Feb 07) Official figures show that the number of people who went insolvent last year is likely to ... more >>

Desperate borrowers 'feel obliged' to repay debts
(3 Feb 07) Most borrowers genuinely feel guilty about not being able to pay off all their debts despite ... more >>

Sub-standard affordability checks 'deeply irresponsible'
(3 Feb 07) Checks on people applying for unsecured credit have been described by uSwitch as "woefully inadequate". ... more >>

IVA FAQs

IVA Advice: What exactly is an IVA?

IVA Advice: How long will the IVA last?

IVA Advice: Can creditors change their minds if the IVA has been agreed?

IVA Advice: How much will the IVA monthly payments be?

IVA Advice: When is the best time to do an IVA?

IVA Advice: I am self-employed. Can I do an IVA and continue trading?