Resources for dealing with debt and improving your credit score: homeowners

Gather the facts with your credit report and National Credit Score

Before you go any further, you need to know what you're dealing with – yep, this means checking your credit report. You can do this for free with our partner, Experian, by signing up to be a member of CreditExpert. There's a free 30-day trial, and if you cancel your membership within that 30 days you won't pay a thing. We also strongly recommend you check your National Credit Score, which you can do once you're a member of CreditExpert, but that will cost £5.95.

If you really need to borrow, consider your options

Curious about remortgaging or taking out a secured loan, but not sure it's right for you? No problem. We've formed partnerships with no-fee mortgage brokers London & Country and secured loan brokers Loanmakers to give you a chance to ask questions and get advice without worrying about being pressured into making any decisions.

To contact London & Country, call 0800 953 0596 to speak with an advisor right away, or fill out our mortgage enquiry form and specify the time you would like a London & Country representative to call you back. Filling in this form does not obligate you to anything.

To contact Loanmakers, fill out our secured loan enquiry form and specify the time you would like a Loanmakers representative to call you back. Filling in this form does not obligate you to anything.

In debt? Find the support you need

If you've got troublesome debt, you don't need scolding – you need non-judgmental support and useful, real-world advice. Here are a few of our best resources to help you deal with your debts:

Our Dealing with Debt community helps anyone regardless of their level of debt and how it came about, and they do it without judging you. Visit the board, explain your debt problem, and kind Fools will likely give you some good advice. If you're not yet a member of the Foolish community you'll need to register, but you can do that in less than a minute and with complete anonymity.

The Consumer Credit Counselling Service is a registered charity that helps people who are in financial difficulty by providing free, independent, impartial and realistic advice. CCCS is the leading debt management charity in the UK.

Read our article Up Your Chances Of Getting A Loan.

Finally, head over to our site and check out the latest articles and podcasts on our Get Out Of Debt page.