We’ve introduced a new feature in the app to give you a clearer view of what you owe and how it changes over time.
The information shown here isn’t new — it’s always been part of your credit file. What’s changed is how it’s displayed. By bringing everything together in one place, we’re making it easier to understand your overall debt and keep track of it month by month.
Which accounts are included?
If you scroll below the graph, you’ll see a full list of the accounts that make up your total. This allows you to check exactly what’s being included and how each account contributes to the overall figure.
Does this affect my credit score or report?
No. This update hasn’t affected your credit score or credit report in any way.
The underlying data hasn’t changed — it’s simply being shown more clearly. The purpose of the graph is to help you visualise your total debt, not to change how it’s assessed.
Why does the graph suddenly increase?
You may notice a sudden increase in the graph. This isn’t anything to worry about.
It simply marks the point at which this new feature was launched. The graph is still being refined, and over time we’ll work to make the trend data better reflect your historic balances.
Are defaults included?
Yes. Defaults are still considered debt because they represent money owed to a lender. They’ll continue to appear in your total until they’re fully resolved.
What if the amounts don’t look right?
If something looks incorrect, it may be because your credit file is around 6–8 weeks out of date.
Lenders usually update credit agencies once a month, so if you’ve recently paid off or reduced a balance, it might not have filtered through to us yet. This is completely normal.
If an account looks seriously out of date or incorrect, you can raise this directly with Equifax (our data provider), who can investigate it for you.
What about IVAs, bankruptcy, or debt management plans?
If you’re currently in an IVA, bankruptcy, or another form of debt management, these accounts may still appear in your total. That’s because they’re still forms of debt, just managed in a more structured way.
We’re actively reviewing how best to display these in the future, and user feedback is helping guide those improvements.