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Zero-credit is a not-for-profit co-operative formed in August 2010, with the aim of eliminating debt stigma. Trading in research and development to understand credit and debt, our members are committed to asserting the consumer rights of borrowers, irrespective of financial circumstance. As a social enterprise, this means we focus on facilitating active engagement, such that experiences of debt inform debt prevention. We believe that without the participation of consumers, markets simply cannot exist.