Changing circumstances during 12 months restrictions period

Hi there, 

A few questions about DRO. I anticipate starting one imminently.

Does anyone know - if you start a DRO and your circumstances change within the 12 months restrictions period - does the DRO still stay on your credit record for 6 years if you come out of it? Can you make a note on your file or something? 

Can you have any savings in the bank before you start? 

Can you become a director of a company after the 12 months restrictions period?

Best wishes to all you good people! 


  • fatbelly
    fatbelly Posts: 20,186
    Name Dropper First Anniversary First Post Cashback Cashier
    edited 8 February at 1:34PM
    As long as you stay within the parameters of the DRO rules, the DRO continues. So in practice you can still keep your DRO with quite large changes if your earnings increase, benefits decrease, travel costs increase etc

    The entry stays on your credit file for 6 years as an accurate record of what happened, even if it was terminated

    The capital/assets limit is 2k and there is a separate 2k limit for a vehicle.

    Once the 12 months is up, you can do what you want

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