General guidance only
Credit Roadmap UK is not financial advice, debt advice, legal advice, mortgage advice or credit broking. The roadmap is based only on the answers you provide and should not be treated as a personal recommendation.
Disclaimer
Important information before using Credit Roadmap UK.
This website provides general guidance for a UK context only. It is designed to help you think through credit-file factors and possible next steps.
No promise of approval
The tool does not promise approval, credit score improvement, mortgage eligibility or acceptance for any financial product. Lenders use their own criteria and may consider information that this tool does not ask for.
When to get advice
Consider speaking to a qualified adviser for debt or financial advice if you are unsure what to do, are struggling with repayments, have court action, or need help choosing between options.
For serious debt problems, consider contacting free UK debt advice charities. They can help you understand options without charging for advice.
Use your own reports
Always check your actual credit reports and product documents before making decisions. Credit files can contain errors or old information, and eligibility can vary between lenders.