How to use this site

Credit Truth is structured around documented cases.

Each entry in the blog represents a real dispute, examined as it unfolded — including evidence submitted, responses received, and outcomes achieved.

The blog is the primary record.


It is where facts are set out, correspondence is preserved, and decisions are tracked over time. Nothing is summarised for effect, and nothing is presented without reference to what actually occurred.

  • Some entries document unresolved failures.

  • Others record corrected outcomes.

  • Both are included deliberately.

This site is not designed to tell you what to think — but to show you what happened, how it was challenged, and what persistence achieved in practice.

Credit systems and conduct reporting on UK citizens are surrounded by signals, processes, and deflections.


This site exists to help you move past them.

What this site is — and isn’t

  • What this site is

    A record of real disputes

    Evidence-led

    UK regulatory context

    Outcomes tracked over time

  • What this site isn’t

    Not legal advice

    Not financial advice

    Not a claims service

    Not a shortcut

  • What it requires

    Time

    Patience

    Willingness to challenge

    Persistence

The UK credit system feels opaque because it’s rarely explained from the inside out.

This site exists to show that outcomes are not reserved for specialists, claims companies, or insiders — but are accessible to anyone willing to understand the rules and persist within the system.

You do not need permission to question what is presented as “final.”

You only need the patience to stay with it.

Explore the cases