Our advisors have been giving debt advice for over 25 years. In that time they’ve talked to people from every walk of life who’ve fallen into difficulty with their finances.
Over the years we’ve spoken to lots of people who feel like having a good credit rating is a sign that they’re a good person.
They therefore think that by damaging their credit rating this will somehow make them a bad person.
We’ve never believed this viewpoint, and we don’t think you should either.