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Hi everyone.

I’m a trainee due to finish my TC in October this year. I’m starting to think about doing an early assessment and I’m worried I won’t be admitted after all my hard work due to my credit situation.

Long story short I have two CCJs showing on my file, and I am making payments towards them both. I also have defaults which have been passed to debt collectors. This all stems from a very abusive relationship, being a single parent due to said relationship and then when I’d finally found a stable one with my current partner, he was made redundant during covid and we had to rely solely on my income as a waitress at the time. I have also had struggles with mental health, particularly during my old relationship and in the two years following. This can be evidenced by my medical records presumably.

I am now actively paying towards my debts and I hope to be completely debt free by October at the latest. I can supply references for my personal circumstances at the time of my defaults.

Do you think good references are enough to outweigh this? My credit rating is still showing as poor.

Thanks in advance.