Generate your credit rebuild roadmap.

Public records and defaulted accounts can affect how lenders view risk, especially when they are recent or unpaid.

A satisfied CCJ can still appear on a credit file, while an unpaid CCJ may be treated more seriously.

Recent adverse markers usually carry more weight than older ones, although each lender has its own criteria.

If you are unsure, check your statutory credit reports before applying for new credit.

Bankruptcy can affect applications differently depending on discharge status, timing and recent conduct.

Formal and informal debt solutions can affect credit rebuilding, reporting and future applications differently.

Recent payment behaviour is often one of the clearest signals lenders may consider.

Several recent searches may make some lenders cautious, even where no account was opened.

Address consistency and balance levels can influence how stable your profile looks.

Lower revolving balances may reduce pressure on your profile, where repayment is affordable.

This is only a broad self-assessment. Lenders and providers use their own criteria.

Different products can place different weight on affordability, recent conduct, adverse markers and stability.