Adverse credit
Credit scores & reportsA term lenders use for a history of missed payments or serious credit issues.
Overview
Adverse credit can include defaults, CCJs, or insolvency events.
It may make mainstream borrowing harder or more expensive.
Why it matters
- It affects eligibility and pricing.
- It can require specialist products.
- It takes time to rebuild.
FAQs
Is adverse credit the same as bad credit?
Yes. It is another way to describe negative credit history.
Can I still get credit with adverse history?
It may be possible, but options are more limited and may cost more.
Related terms
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