{"id":1881,"date":"2018-05-16T10:26:52","date_gmt":"2018-05-16T10:26:52","guid":{"rendered":"https:\/\/demo.credibble.co.uk\/blog\/?p=1881"},"modified":"2025-10-28T17:30:13","modified_gmt":"2025-10-28T17:30:13","slug":"bad-credit","status":"publish","type":"post","link":"https:\/\/www.check.co.uk\/blog\/credit-score-account\/bad-credit\/","title":{"rendered":"24-Factor Credit Check: Bad Credit"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">One of the six Credit Factors on Credit-Score\u2019s 24-Factor Credit Check is based on whether you have bad credit. These factors are very important, as they indicate to lenders that your reputation is in good standing. Having bad credit can seriously impact your access to credit. You may not be able to borrow as much or at all, or you may face higher interest rates.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_89 counter-flat ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">What&#039;s Included?<\/p>\n<span class=\"ez-toc-title-toggle\"><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.check.co.uk\/blog\/credit-score-account\/bad-credit\/#Bankruptcy\" >Bankruptcy<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.check.co.uk\/blog\/credit-score-account\/bad-credit\/#IVAs\" >IVAs<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.check.co.uk\/blog\/credit-score-account\/bad-credit\/#CCJs\" >CCJs<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.check.co.uk\/blog\/credit-score-account\/bad-credit\/#Defaults\" >Defaults<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\" id=\"h-bankruptcy\"><span class=\"ez-toc-section\" id=\"Bankruptcy\"><\/span>Bankruptcy<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"817\" height=\"492\" src=\"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Bankruptcy.png\" alt=\"\" class=\"wp-image-7913\" srcset=\"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Bankruptcy.png 817w, https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Bankruptcy-300x180.png 300w, https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Bankruptcy-768x462.png 768w, https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Bankruptcy-380x229.png 380w, https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Bankruptcy-560x336.png 560w, https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Bankruptcy-800x482.png 800w\" sizes=\"auto, (max-width: 817px) 100vw, 817px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">In UK law, you can apply to become bankrupt if you cannot pay off your debts. This is usually the last-resort \u201cnuclear option\u201d.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">When you have tried everything else to pay off your debts, or a licensed financial advisor has advised you to do so, you may declare bankruptcy. You can also be made bankrupt if you fail to pay debts of \u00a35,000 and up, you break the terms of an IVA (see below), or you give false information to an IVA.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For most people, bankruptcy isn\u2019t likely to be a concern, but careless borrowing can result in bankruptcy. Small business owners, particularly in volatile industries like the catering industry, are more likely to suffer a bankruptcy. However, it can happen to anyone. In January 2025, 592 bankruptcies were recorded, indicating a continued decline in bankruptcy cases over the past few years.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Overall, 9,706 individuals entered insolvency in January 2025, a 12% increase compared to January 2024. This total includes 3,847 Debt Relief Orders (DROs) and 5,267 Individual Voluntary Arrangements (IVAs).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The rise in DROs since April 2024 coincides with the abolition of a \u00a390 administration fee and the expansion of eligibility criteria in June 2024. The debt threshold for DROs increased from \u00a330,000 to \u00a350,000, and the allowable value of an exempt motor vehicle rose from \u00a32,000 to \u00a34,000<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">These changes have made debt relief more accessible, contributing to the observed increase in insolvency cases.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you have had a bankruptcy in the last seven years, it will negatively affect your credit score. After that time has passed, it\u2019s striped from the record.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-ivas\"><span class=\"ez-toc-section\" id=\"IVAs\"><\/span>IVAs<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"815\" height=\"520\" src=\"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/IVAs.png\" alt=\"\" class=\"wp-image-7914\" srcset=\"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/IVAs.png 815w, https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/IVAs-300x191.png 300w, https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/IVAs-768x490.png 768w, https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/IVAs-380x242.png 380w, https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/IVAs-800x510.png 800w\" sizes=\"auto, (max-width: 815px) 100vw, 815px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">IVA stands for \u201cIndividual Voluntary Arrangement\u201d. It\u2019s an alternative to bankruptcy for people living in England and Wales. If your debts become too much to manage and you enter insolvency, you can contact a professional insolvency practitioner to set one up. In practice, an IVA is a legal agreement between you and any parties to whom you owe money. Both sides agree on a repayment plan, and both have to stick to it. Any income you receive, including windfalls, will be used to pay off the IVA.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">IVAs negatively affect your credit rating. They show that your debts have gone so out of control that you\u2019ve had to call in outside help. Like bankruptcies, these remain on your credit file for seven years, after which they are striped from the public record.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you lie on an IVA, or you break the legally-binding terms, you can be made bankrupt by creditors. This will have an even worse effect on your credit rating.<\/p>\n\n\n\n<!-- CREDIT 1 CTA - Lenders don't use your credit score! -->\n<style>\n  .cta-why {\n    border-top: 4px solid #41AC86;\n    background-color: #FEF7EB;\n  }\n<\/style>\n\n<section class=\"cta-why my-4\">\n  <div class=\"container p-4\">\n    <span class=\"font-weight-bold d-block mb-3\">\ud83d\ude32 LENDERS DON\u2019T USE YOUR CREDIT SCORE!<\/span>\n    <ul class=\"list-unstyled ml-0\">\n      <li>\u2b50 Our 24-Factor Credit Check goes beyond your credit score.<\/li>\n      <li>\u2b50 See your credit report through a lender\u2019s eyes.<\/li>\n      <li>\u2b50 Personalised steps to improve your credit rating.<\/li>\n    <\/ul>\n\n    <p>See&#8230; Fix&#8230; Borrow&#8230; with Credit-Score.<\/p>\n\n    <a href=\"https:\/\/www.check.co.uk\/register\" style=\"background-color: #41AC86; border-color: #41AC86;\" class=\"btn btn-success rounded-0 text-uppercase\">START FREE TRIAL<\/a>\n  <\/div>\n<\/section>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-ccjs\"><span class=\"ez-toc-section\" id=\"CCJs\"><\/span>CCJs<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"812\" height=\"492\" src=\"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/CCJs.png\" alt=\"\" class=\"wp-image-7915\" srcset=\"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/CCJs.png 812w, https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/CCJs-300x182.png 300w, https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/CCJs-768x465.png 768w, https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/CCJs-380x230.png 380w, https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/CCJs-800x485.png 800w\" sizes=\"auto, (max-width: 812px) 100vw, 812px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">A CCJ is a County Court Judgement. Like IVAs, they only take place in England and Wales. They are handed down by the court in response to a court action against you made by a creditor. Usually, this is because you owe a sum of money. You will be sent a letter fourteen days in advance of the judgement, giving you time to respond to the allegation.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you fail to respond adequately, the court may secure your debt against property. This permits your creditors to demand direct payment from your employer or your bank. In extreme cases, the County Court can send in bailiffs to seize goods and auction them off.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">CCJs lower your credit score because they once again show that you have failed to keep on top of your debts, requiring a legal response. CCJs are removed from your credit file after six years. \uc804 \uc138\uacc4 \uae08\uc735 \uc2dc\uc7a5\uc740 \ub04a\uc784\uc5c6\ub294 \uae30\ud68c\ub97c \uc81c\uacf5\ud558\uc9c0\ub9cc, \uc131\uacf5\uc801\uc778 \ud2b8\ub808\uc774\ub529\uc744 \uc704\ud574\uc11c\ub294 \uc2e0\ub8b0\ud560 \uc218 \uc788\ub294 \ud30c\ud2b8\ub108, \uc989 \ube0c\ub85c\ucee4 \uc120\ud0dd\uc774 \uac00\uc7a5 \uc911\uc694\ud569\ub2c8\ub2e4. \ud2b9\ud788 \uc678\ud658(Forex), \uc8fc\uc2dd, \uc6d0\uc790\uc7ac, \uc9c0\uc218 \ub4f1 \ub2e4\uc591\ud55c \uc790\uc0b0\uc744 CFD(\ucc28\uc561\uacb0\uc81c\uac70\ub798) \ud615\ud0dc\ub85c \uac70\ub798\ud560 \ub54c\ub294 \ud50c\ub7ab\ud3fc\uc758 \uc548\uc815\uc131\uacfc \uac70\ub798 \uc870\uac74\uc774 \uc218\uc775\uc5d0 \uc9c1\uc811\uc801\uc778 \uc601\ud5a5\uc744 \ubbf8\uce69\ub2c8\ub2e4. \ub9ce\uc740 \ud22c\uc790\uc790\ub4e4\uc774 \ub0ae\uc740 \uc2a4\ud504\ub808\ub4dc, \ube60\ub978 \uc8fc\ubb38 \uccb4\uacb0 \uc18d\ub3c4, \uadf8\ub9ac\uace0 \ud22c\uba85\ud55c \uac70\ub798 \ud658\uacbd\uc744 \uc81c\uacf5\ud558\ub294 \ube0c\ub85c\ucee4\ub97c \uc120\ud638\ud569\ub2c8\ub2e4.  \uc774\ub7ec\ud55c \uc694\uac74\uc744 \ucda9\uc871\uc2dc\ud0a4\ub294 \uae00\ub85c\ubc8c \ube0c\ub85c\ucee4 \uc911 \ud558\ub098\ub85c <a href=\"https:\/\/m4markets.com\/ko\/\">\uc5e0\ud3ec\ub9c8\ucf13<\/a> \uc744(\ub97c) \ucd94\ucc9c\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc5e0\ud3ec\ub9c8\ucf13\uc740 \ub2e4\uc591\ud55c \ud2b8\ub808\uc774\ub529 \uc0c1\ud488\uacfc \ud568\uaed8 \uc0ac\uc6a9\uc790 \uce5c\ud654\uc801\uc778 MT4\/MT5 \ud50c\ub7ab\ud3fc\uc744 \uc9c0\uc6d0\ud558\uba70, \uc5c4\uaca9\ud55c \uaddc\uc81c \ud558\uc5d0 \uc6b4\uc601\ub418\uc5b4 \uace0\uac1d \uc790\uc0b0 \ubcf4\ud638\uc5d0\ub3c4 \ud798\uc4f0\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ucd08\ubcf4\uc790\ubd80\ud130 \uc219\ub828\ub41c \ud2b8\ub808\uc774\ub354\uae4c\uc9c0 \ubaa8\ub450 \ub9cc\uc871\ud560 \uc218 \uc788\ub294 \ub9de\ucda4\ud615 \uacc4\uc88c \uc720\ud615\uacfc \uc804\ubb38\uc801\uc778 \uc2dc\uc7a5 \ubd84\uc11d \uc790\ub8cc\ub97c \uc81c\uacf5\ud558\ub294 \uc5e0\ud3ec\ub9c8\ucf13\uc5d0\uc11c \uae00\ub85c\ubc8c \uc2dc\uc7a5 \ud22c\uc790\uc758 \uccab\uac78\uc74c\uc744 \uc2dc\uc791\ud574 \ubcf4\uc138\uc694.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-defaults\"><span class=\"ez-toc-section\" id=\"Defaults\"><\/span>Defaults<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"812\" height=\"487\" src=\"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Defaults.png\" alt=\"\" class=\"wp-image-7917\" srcset=\"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Defaults.png 812w, https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Defaults-300x180.png 300w, https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Defaults-768x461.png 768w, https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Defaults-380x228.png 380w, https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Defaults-560x336.png 560w, https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Defaults-800x480.png 800w\" sizes=\"auto, (max-width: 812px) 100vw, 812px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">If you fail to pay your debts, a creditor may close your account. This is what is known as a \u201cdefault\u201d. You can default when you owe any amount of money. You may think that this is less severe than a bankruptcy, an IVA or a CCJ, but bad credit is bad credit, any way you slice it.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Like other bad credit, defaults don\u2019t leave your credit file for at least six years. However, it is possible to lessen the impact of a default. Pay off the debts in a timely fashion. You can also ask one of the three Credit Reference Agencies to append a statement of explanation to your report if the default. was down to circumstances beyond your control.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">All of these things will go away with time \u2013 between seven and ten years. They aren\u2019t a death sentence, but bear in mind that they are likely to cause trouble getting the best deals on credit. The good news is that proving yourself creditworthy through responsible borrowing can lessen the impact of even the worst credit, given enough time. Just be aware you may not have access to the nicest deals.<br><br><\/p>\n\n\n<div style=\"background-color: #8ed1fc;border-width: 2px;border-color: #ECECEC\" class=\"ub_call_to_action wp-block-ub-call-to-action-block\" id=\"ub_call_to_action_0abbc431-35f5-450b-a5bc-7c9cdab0e0fd\">\n\t\t\t<div class=\"ub_call_to_action_headline\">\n\t\t\t\t<p class=\"ub_call_to_action_headline_text\" style=\"font-size: 30px; text-align: center; \">Check your Credit File Today<\/p>\n\t\t\t<\/div>\n\t\t\t<div class=\"ub_call_to_action_content\">\n\t\t\t\t<p class=\"ub_cta_content_text\" style=\"font-size: 15px; text-align: center; \"><br>Get access to your Credit Score and File<\/p>\n\t\t\t<\/div>\n\t\t\t<div class=\"ub_call_to_action_button\">\n\t\t\t\t<a href=\"https:\/\/www.check.co.uk\/register?utm_source=blog-registration\" target=\"_self\" rel=\"noopener noreferrer\" class=\"ub_cta_button\" style=\"background-color: #01d083; width: 250px; \">\n\t\t\t\t\t<p class=\"ub_cta_button_text\" style=\"font-size: 14px; \">Sign up, its FREE<\/p>\n\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"One of the six Credit Factors on Credit-Score\u2019s 24-Factor Credit Check is based on whether you have bad&hellip;\n","protected":false},"author":19,"featured_media":1882,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[319,317],"tags":[244,214,218,222,216],"class_list":["post-1881","post","type-post","status-publish","format-standard","has-post-thumbnail","category-lender-report","category-credit-score-account","tag-bad","tag-bky","tag-ccj","tag-def","tag-iva"],"acf":[],"featured_image_src":"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2018\/05\/adverse-credit-bankruptcy.jpg","author_info":{"display_name":"Robert Edwards","author_link":"https:\/\/www.check.co.uk\/blog\/author\/conor-mullinsaffalo-co-uk\/"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Bad Credit History: What Will Lenders Think | Credit-Scoee<\/title>\n<meta name=\"description\" content=\"\u2018Bad credit\u2019 refers to the major red flags on your credit file. But what counts as bad credit? Read our article to find out.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.check.co.uk\/blog\/credit-score-account\/bad-credit\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Bad Credit History: What Will Lenders Think | Credit-Scoee\" \/>\n<meta property=\"og:description\" content=\"\u2018Bad credit\u2019 refers to the major red flags on your credit file. But what counts as bad credit? 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