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Cutting your costs, fighting your corner
Founder, Martin Lewis · Editor-in-Chief, Marcus Herbert
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Credit Score & Debt Help

Guides and tools to help you manage your debt

Try our free Credit Club

Access tools to see how the financial world views you:

  • An Eligibility Rating that combines your credit score, affordability, and market trends.

  • View your full credit report – your financial CV.

  • Get personalised acceptance odds for credit cards and loans

Get the debt help you need today

Are you in a debt spiral? MoneySavingExpert can help you:

Read our Debt help plan for full tips.

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Credit score & debt help guides

What to do & where to get support
Guide
Help if you're struggling with your finances
Guide
DON'T just cancel the card
Guide
Use a card responsibly to rebuild your credit history
Guide
Checking your credit report is in good shape is VITAL if you want finance
Guide
Boost your credit chances
Tool
What to do if you've got a persistent debt letter
Guide
What are they and are they a good idea?
Guide
Your beginner's guide to building a credit history
Guide
Knowing your rating can give you an idea of how lenders might view you
Guide

Debt Help

No debt problems are unsolvable. It might not be easy or quick, but there's always a route. And the earlier you deal with them, the easier they are to deal with. Debt isn't just a finance issue. It feeds into all elements of your life. This section covers wide and varied debt-fighting solutions, from cutting interest costs to budgeting, or simply getting free one-on-one debt help. If you need help managing your money, our unique budget planner includes a free budget planner spreadsheet, which analyses your finances and then helps you manage and control your cash.