You finished. Here's your comeback.
You've finished your debt solution — that took real discipline. Now see exactly what credit you can get, in what order, and when.
Free to use, no obligation — and the plan itself won't affect your credit score.
We're a credit broker, not a lender — and we're always upfront about how we're paid. How we get paid
Your starting point
Where are you coming from?
Pick your path — the route after each debt solution is a little different.
Your date
Know your Clean Date.
Your Clean Date is the day the mark from your debt solution drops off your credit file — the moment a whole new range of credit opens up. Most people aren't sure exactly when theirs is. Your Comeback Plan works it out for you and counts down to it.
an example Clean Date
Your timeline
What you can get — and roughly when.
Credit-builder apps and cards, car finance, and a referral to a specialist mortgage broker if you own your home.
Personal loans from lenders who look at your whole picture, not just a score.
Near-mainstream cards, better car deals, and mortgage moves — with no mark left on your file.
Which options fit depends on your dates and circumstances — your plan shows you. We earn a commission on some of these, and we'll always show you which.
Three simple steps
How it works.
Tell us where you are.
Your Comeback Plan captures your solution, your key dates and your goals — in a few minutes, no jargon.
See your options, staged by date.
We show what you can do now, what's worth waiting for, and when.
We connect you.
When something fits, we introduce you — and we're open that we earn a commission for it.
Not finished yet?
If you're still in your IVA, DRO or DMP, you're in the right place too. There's plenty you can do now to be ready — and we'll be here the day you finish.