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While we try to ensure this information is accurate and up to date, we cannot be responsible for any inaccuracies in the information.

The Money Advice Service takes no responsibility and is not liable for any advice given by third parties.

By this point, the credit score is affected and the consumer has no idea how to improve the financial situation.

You may already be working multiple jobs or family obligations may prevent them from taking on additional work.

Early Repayment Charge (ERC) is a fee that sometimes applies when re-paying debt early.