Debt Management
Strategies for paying off debt, improving credit, and achieving financial freedom.
5 articles in this category
What Households Owe, and What It Costs Them
A sourced report on household debt: UK and US balances, the interest rates actually charged in mid-2026, and what a given balance costs per year at those rates.
Debt Snowball vs Avalanche: Which Payoff Method Is Right for You?
Avalanche always costs less than snowball for the same monthly payment. A full worked amortisation shows how much less, and when snowball is still worth it.
The Maximum Credit Score: 850 in the US, Three Different Numbers in the UK
The maximum FICO score is 850. The UK has no single maximum — Experian runs to 1250, Equifax to 1000, TransUnion to 710. What moves each, and what does not.
How to Improve a Bad Credit Rating in the UK
A default stays on a UK credit file for six years from the date of default. Here is what you can actually fix before then, in priority order, with timescales.
Debt Solutions in the UK: DMP, DRO, IVA and Bankruptcy Compared
Which UK debt solution fits: DMP, DRO, IVA, bankruptcy or Scotland's DAS. What each costs, how long it marks your credit file, and where free advice comes from.
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