Credit Sorted Console

Welcome to your Credit Sorted Console 👋

Your private, step-by-step toolkit to repair your UK credit over the next 90 days.

What's inside — four tabs

📋 Credit Action Plan — your week-by-week checklist. Start at Week 1 and tick tasks as you go.

🔍 Credit File Audit — log errors, auto-generate dispute letters, track 28-day deadlines, and chart your score over time.

💷 Income & Expenditure Tracker — work out your real monthly surplus.

📉 Payoff Planner — see how long your debt takes to clear and how extra payments speed it up.

✅ Everything saves automatically in this browser — no sign-up, no account, no subscription.

🔒 Private & offline. Your data never leaves your device.

💾 Because it saves on this device, open it in the same browser each time — and click “⬇ Back up” (top right) now and then. Tip: email that backup file to yourself — importing it restores everything, on any device.

90-Day Credit Action Plan

Work through each week in order. Tick tasks as you complete them — your progress is saved automatically.

📈 What to Expect — Realistic UK Credit Score Timeline ▼

These are realistic timeframes for UK credit repair. Individual results vary based on your starting position, bureau, and lender. This tool helps you work the system — it doesn't guarantee outcomes.

Weeks 1–2

Electoral Roll registration confirmed

Can improve score 20–50 pts once updated

Weeks 2–4

Address corrections processed

Bureaus update address data monthly

Weeks 4–6

Goodwill deletion responses arrive

Bureaus aim to respond to disputes within 28 days (Consumer Credit Act 1974)

Weeks 4–8

Dispute resolutions confirmed

Successful removals show within 1–2 bureau update cycles

Week 6

Satisfied CCJ shows as paid

Marked "satisfied" on the Register within 28 days of payment

Weeks 6–10

Credit builder card impact visible

First statement + on-time payment reported to bureaus

Months 3–6

Consistent score improvement pattern

6+ months of on-time payments = most impactful single factor

Month 6+

Mortgage / loan eligibility reassessment

Run soft eligibility checks at 6-month intervals

Done

Total

Weeks Done

Overall Progress 0%

📝 My Notes & Observations

Income & Expenditure Tracker

Enter your monthly figures. Totals update automatically and are saved in your browser.

Monthly Summary

Total Income

£0.00

per month

Total Outgoings

£0.00

expenses + debts

Monthly Surplus

£0.00

left over each month

Outgoings as % of income 0%

💡 Enter your figures above to see your financial position and how much you could allocate to accelerating credit repair.

✅ Monthly Income

£0.00

🏠 Housing & Utilities

£0.00

🚗 Transport

£0.00

🛒 Food & Household

£0.00

🎭 Personal & Leisure

£0.00

⚠️ Debt Payments (monthly minimums)

£0.00

📝 Financial Notes

Credit File Audit

Work through each bureau systematically. Check every entry, flag errors, and log your disputes. Save as you go — all data stored in your browser.

📊 My Current Scores (Week 1 Baseline)

Experian

Score: /999

Equifax (ClearScore)

Score: /1000

TransUnion (Credit Karma)

Score: /710

📈 My Score Progress

Enter your scores above, then log them. Come back each week to watch your progress — shown as % of each bureau's scale so all three are comparable.

No scores logged yet — enter your scores above and click "Log today's scores".

👤 Personal Information Check 0/5 verified

Item	Experian	Equifax	TransUnion	Status

💳 Accounts on File

Account / Lender	Type	Experian	Equifax	TransUnion	Status	Action

⚠️ Negative Markers & Disputes Log

✍️ Important — the Entry Description is what your letter is built from. Whatever you type in that box is dropped straight into the dispute letter, so write it as a complete description: the lender / account name, the account number (if shown), exactly what is wrong, and the relevant dates. Pick a Dispute Letter type first and the box shows an example of what to write (the full guide is further down).

💡 Under the Consumer Credit Act 1974 (s.159) and the bureaus’ own dispute standards, a bureau should respond within 28 days. (UK GDPR also gives you the right to have inaccurate data corrected without undue delay — within one calendar month.) If no response, escalate to the ICO at ico.org.uk/make-a-complaint (free).

✍️ How to get a letter you can just copy & paste

Fill in your Name and Address in Your Details below (once only).
Add a dispute row above and write a clear Entry Description * — this is required, and it's what the letter is built from.
Pick the CRA, the Date of Entry, and the Dispute Letter type.
Click ✉ Letter — it opens fully filled in. Click Copy text (or Print / Save as PDF) and post it to the CRA.

What to put in the Entry Description for each letter:

Incorrect Entry — the lender / account name, account number, and exactly what's wrong.
Goodwill Deletion — the lender / account and the specific late marker and date to remove.
Fraud / Unrecognised — the account / lender you don't recognise (and account number if shown).
Disassociation — the full name of the person you're wrongly linked to, and the address.
CCJ Dispute — the court name, claim / case number, judgment date and amount.
Notice of Correction — the entry it relates to, plus your short explanation (up to 200 words).

Tip: once you choose a letter type, the Entry Description box shows a reminder of exactly what to include (hover it for the full guide).

✍️ Your Details — Auto-Fill Dispute Letter Templates

Fill in your personal details below. These will auto-populate dispute letter templates — enter once, use on every letter.

🔤 Full Name

This will appear as the signatory on all your dispute letters

🏠 Full Address

Include street, town/city, and postcode (one per line)

✓ How to use your details:

Fill in your name and address above
Go to the Disputes Log section above
For each entry, pick the CRA, the date of entry, and a dispute letter type (Goodwill / Fraud / CCJ, etc.)
Click ✉ Letter — your name, address, CRA and entry details are filled in automatically
Copy the text (or print) → send by post to the CRA

🔒 Stored in your browser only. Never sent to any server. Keep updated when you move address.

📝 Audit Notes

Payoff Planner

See exactly how long your debt will take to clear — and how much faster (and cheaper) a little extra each month makes it. Add each card or loan with its balance, APR, monthly payment and minimum payment.

Card / loan *	Balance (£) *	APR (%) *	Monthly payment (£) *	Minimum payment (£) *

* All fields are required for each card or loan — the projection appears once they're filled in.

Could you pay a little extra each month? (optional)

£/ month

Leave this blank if you can't — it just adds the third (green) line to show how much faster a little extra clears your debt.

📉 Your debt payoff projection

Fill in each card's balance, APR, monthly payment and minimum payment above to see your projection.

Estimate for guidance only, not financial advice. Assumes interest compounds monthly (APR ÷ 12), your entered payments and minimums stay fixed, and any extra is applied to your highest-APR debt first.