The Total Debt section brings together everything you owe — all in one place — so you can finally see the full picture without digging through every open or closed account on your credit file.
And don’t worry — nothing here is new, and nothing is affecting your score any differently.
All the information in this graph is the same data that’s always been on your credit file… we’re just showing it in a clearer, more helpful way.
What the Total Debt graph shows
The graph gives you an at-a-glance view of your overall debt and how it changes over time. If you scroll down, you’ll see a full list of the accounts included in your total — credit cards, loans, finance agreements, defaults and more.
Why does it sometimes “jump”?
If you notice a sudden spike in your graph, it doesn’t mean your debt shot up overnight. It simply marks the point where we started presenting your data in this new format.
Your underlying credit file hasn’t changed.
We’re still improving this part of the app, and over time, the graph will become even more reflective of your real historical balances.
Why do defaults appear in my Total Debt?
Defaults still count as money owed to a lender until the account is officially closed or settled. That’s why they appear in your Total Debt — they’ll stay there until the lender reports a £0 balance or marks the account as ‘Settled’.
This is completely normal. But if a defaulted account should now show £0 and doesn’t (for example, if it was written off as part of a bankruptcy or IVA), it’s worth raising this with the lender involved first so they can update your credit file correctly..
Why does some of my debt look out of date?
Most lenders will only update your credit file once a month (some even less than that!). Because of this, anything you’ve paid off recently may not appear straight away.
If something looks seriously out of date, you can raise a dispute directly with Equifax — they’re the ones who hold and maintain your credit data.
What about bankruptcies, IVAs or debt management plans?
These can still appear in your Total Debt if the lender is reporting an outstanding balance — even if the debt is being handled in a structured way.
We’re actively reviewing how best to show these so the information is clearer and less alarming.
If you’re in one of these arrangements and something looks incorrect, your insolvency practitioner or lender is the right person to contact first.