The Credit Comeback Plan

Been declined for a credit card or loan? Don't rush to apply again. This 12-page printable workbook walks you through what to do next, step by step, at your own pace.

What's inside

• The 6 most common reasons people get declined, with a checklist to see which might apply to you
• An application log to track every recent search
• A side-by-side checklist for your Experian, Equifax and TransUnion reports
• An error tracker to log, raise and chase mistakes on your file
• 4 template letters: ask a lender why you were declined, ask an agency to correct an error, remove a financial link, and write a notice of correction
• A basics checklist and monthly balance tracker
• A 90-day comeback plan, broken into three stages
• A "ready to reapply?" checklist and eligibility check log
• How to spot "credit repair" scams, plus where to get free help

Instant PDF download (A4). Print it or fill it in on screen. Goes with Episode 5 on the My Card Coach YouTube channel.

General education only. This workbook is not financial, legal or debt advice, does not recommend any lender or product, and cannot guarantee you'll be accepted for credit. If you're struggling with money, free confidential help is available from MoneyHelper, StepChange and Citizens Advice. Information checked October 2026. My Card Coach is a trading name of Miles Jordan.