About Credit Truth

Credit Truth documents failures, disputes, and systemic issues across the UK credit and debt ecosystem, based on real cases and verifiable evidence.

The purpose of this site is not only to record what goes wrong, but to show what can be achieved when inaccuracies are challenged, processes are questioned, and evidence is maintained over time. Outcomes matter — and they are achievable.

Everything documented here was achieved without claims management companies, paid intermediaries, or shortcuts. There are no fees, no commissions, and nothing for sale. The only cost involved is time, persistence, and a willingness to engage with the system properly.

By publishing failures alongside outcomes, Credit Truth exists to help others understand their own position, recognise patterns, and see what persistence can realistically achieve.

No financial advice is provided. The content reflects documented experiences and outcomes, shared so others can learn from them.

You do not need permission to question the system — only the patience to persist.

Credit Truth exists to show how informed persistence turns powerless positions into corrected outcomes.