It started with a credit file in the lowest band and no useful help

Credit Sorted is one person's answer to a problem the UK doesn't explain well: your credit file is wrong, it's costing you, and everyone who offers to fix it either wants £200 a month or is quoting American advice.

The problem it came from

Rejected for a card. Turned down for a phone contract. A mortgage conversation that ended with "come back when it's sorted" — and no explanation of what "it" was. When the reports finally came through, the reasons were mostly not debt. An old address still linked. A default that should have dropped off years earlier. A card sitting at 90% of its limit that nobody had said mattered.

None of that needed a company. It needed the actual UK rules — section 159 of the Consumer Credit Act, the 28 days a bureau has to answer, what a Notice of Correction is for, why the electoral roll matters — and the discipline to do the fixes in the right order. That took months of reading and testing across Experian, Equifax and TransUnion. Within 90 days the file was in a healthy band. It has stayed there.

What it is

What it is not

• Not a credit repair company. Nothing is done for you and nothing is charged monthly. You do the fixes; the tools make sure you do the right ones, in order, with the right wording.
• Not regulated advice. Credit Sorted is educational. It is not authorised or regulated by the FCA and doesn't give personal financial, debt or legal advice. If you're struggling with debt, StepChange and Citizens Advice are free and good.
• Not a promise. Fixing errors and building history moves most files. How far, and how fast, depends on what's on yours. No number is guaranteed.
• Not a data business. The Console saves to your own device. Nothing you type in it reaches a server. The free planner doesn't even ask for an email.

Who runs it

One person, a sole trader in Southampton, with a background in financial services compliance. Went through the above, built the tools afterwards. No agency, no outside money, no sales team. Email reaches that person and gets answered by them.

Every paid product carries a 30-day money-back guarantee.

Why brokers

Every mortgage broker has the same list this started from: people they couldn't place yet, told to fix something and come back. Most never do — not because they didn't fix it, but because nobody was watching for the day they had. Pipeline is the broker's view of that wait. Their client gets the plan; the broker gets told when the blockers clear.