You’ve never been insolvent

You have never been insolvent. Or at least haven’t in the last six years, which is as far back as your credit report goes.

Insolvencies include bankruptcy, debt relief orders, Individual Voluntary Arrangements and their Scottish equivalents. If a form of insolvency was on your file, it would be very hard to obtain credit.

If you are seeking to make yourself bankrupt or someone is threatening you with insolvency – seek advice.