Made a Mistake? How to Repair Your Trust Score

Hi

Trust is about your pattern over time, not one bad moment.

Maybe things haven’t gone perfectly:

• You’ve been late before

• You’ve had a repayment bounce

• You’ve felt a bit overwhelmed

That doesn’t mean your trust score is “finished”. In Brolly, trust is about the story over time, not one bad moment.

Here’s how to start repairing and rebuilding:

1. Catch up as soon as you can
   The first step is getting your repayment back on track. Bringing your account up to date is a strong signal that you’re taking responsibility.

2. Talk to us instead of going quiet
   If you see a problem coming, or you’re already behind, send a message through the app. Honest communication is always better than silence.

3. Scale your borrowing back
   After a rough patch, borrow less than before – or pause borrowing for a while. That shows you’re respecting your limits.

4. Plan ahead next time
   Before your next loan, make a simple plan on paper:

   • What’s it for?

   • When is it due?

   • Which pay will cover it?
     If the numbers don’t work, don’t take the loan.

5. Build a new pattern
   Focus on a run of clean, on-time (or early) repayments. Over time, that new pattern starts to outweigh the old one.

Lenders don’t expect you to be perfect. What matters is that you face problems early and show change.