a mortgage; While making a debt deal may seem like a good idea, be sure to discuss its pros and cons with a financial advisor and only do so after considering your individual circumstances. We are here to improve your financial future today with our competent debt solutions. To be able to apply for a debt contract, you must: Since March 2014, the changes to the Data Protection Act mean, however, that the information stored in your credit file can only be kept for 5 years. . . .