Write off 75%* of unaffordable debt
One lower monthly payment
Stop creditor hassle and bailiffs
Access mental well-being services
Who are Creditfix?
Creditfix is one of the UK’s largest debt solution companies, with offices in Glasgow and Manchester. They are licensed insolvency practitioners and are particularly known for arranging Individual Voluntary Arrangements (IVAs).
Since launching in the early 2000s, Creditfix has grown into one of the biggest IVA providers in the country, supporting hundreds of thousands of people with formal debt solutions.
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What Happens If You Miss Creditfix Payments?
If you miss one or two payments, Creditfix will usually add a late fee and may report it to credit reference agencies, which can impact your credit score. Ongoing missed payments will incur more interest and charges, and your account may going into default. If your account is defaulted, it may be transferred or sold to a debt collection agency. You would then deal with the new company, but the debt terms and balance may still apply, depending on the agreement. PennyPlan can help you understand your position and what you can do to reduce escalation.
We Help With Most Debts - Not Just Creditfix!
* Mortgage debt can be included if you no longer own the property in question.
Prefer to talk? Call 0161 808 8811
Open til 7pm Monday to Friday
How to contact Creditfix?
Creditfix telephone number:
0808 2085 198
Website:
Creditfix postal address:
Glasgow
4 West Regent Street
Glasgow
Lanarkshire
Scotland
G2 1RW
Manchester
Lowry Mill
Lees Street
Pendlebury
Swinton
M27 6DB
Carlisle
Broadacre House
16-20 Lowther Street
Carlisle
CA3 8DA
Stop all interest & charges
Write off debt
Access well-being services
Reduce monthly payments
How Could A Creditfix Debt Repayment Plan Work
An IVA consolidates your debts into one affordable payment plan, with some Creditfix debt potentially written off. A DMP combines debts into one monthly payment, with interest reduced or frozen to help ease financial pressure. A DRO is a debt reduction programme for those on low income, where certain debts can be cleared with no ongoing payments required during the DRO.
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How does Creditfix work?
The process starts with an assessment of your finances; what you earn, what you spend, and what you owe. Creditfix advisers then look at which debt solutions you qualify for, with IVAs being their most common option.
If an IVA is suitable, Creditfix puts forward a proposal to your creditors. If the majority agree, you make one affordable monthly payment (usually over five or six years). At the end of the arrangement, any remaining unsecured debt can be written off.
They also provide other solutions like Debt Management Plans, Debt Relief Orders and bankruptcy support, though their primary focus is on insolvency-based arrangements.
Does Creditfix affect your credit score or rating?
Speaking to Creditfix for advice won’t appear on your credit file. But entering into a solution arranged by them will.
- IVAs: recorded on your credit report for six years and visible to lenders.
- DMPs: may show as reduced or partial payments if creditors report them.
- Bankruptcy: carries the heaviest impact on your credit rating.
In short, it’s not Creditfix itself that affects your credit score, but the formal arrangement that’s put in place.
Get Help With Creditfix Debt Today
Trying to manage your Creditfix credit card debt alone can be a massive burden that controls your life. But it doesn’t have to. Our advisers are here with you every step of the way, providing tailored advice and debt solutions to start taking the weight off your shoulders. To take the first step – speak to a member of our team today.
Apply for our eligibility check
Speak to our debt specialists
Choose your debt solution
We’ll handle the rest
Creditfix FAQ's
What is Creditfix?
Creditfix is a private debt advice and insolvency firm. Unlike debt charities, they operate as a commercial provider, working with people who need structured solutions to deal with unmanageable debt.
Their reputation is closely tied to IVAs, but they also provide a wider range of debt options. As licensed insolvency practitioners, they are authorised to set up formal agreements directly with creditors.
Does Creditfix charge a fee?
Creditfix does not charge for an initial consultation or advice. If you enter into an IVA or another formal debt solution through them, fees will apply.
These costs are not paid upfront, they are built into your monthly payments and deducted before money is distributed to creditors. Creditfix will explain the breakdown before you commit to any arrangement.