Zero-credit is a co-operative of individuals with personal experience of debt - we share creditfree living tips.

From November we shall trade in information which can help to develop and regulate consumer finance. Our aim is to end the stigma which pushes debtors into unsuitable products and services and to start a responsible dialogue with government and the finance sector.

Individual membership costs £1 a year, giving members a share of the company, whilst group subscriptions will be available to businesses from £10 to £30. Profits are to be split between sustaining our business and donations to charity..