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<h4>Yn yr adran yma:</h4>
<ul><li class="up"><a href="../../cy/gateway/debt.html">I fyny un lefel</a></li><li><a href="../../cy/gateway/debt_rid_5680.html">Bancio</a></li><li><a href="../../cy/gateway/debt_rid_5681.html">Cymdeithasau adeiladu</a></li><li class="on"><a href="../../cy/gateway/debt_rid_5682.html">Credyd</a></li><li><a href="../../cy/gateway/debt_rid_5686.html">Dyled</a></li><li><a href="../../cy/gateway/debt_rid_5689.html">Yswiriant</a></li><li><a href="../../cy/gateway/debt_rid_5690.html">Morgeisi</a></li><li><a href="../../cy/gateway/debt_rid_5691.html">Yswiriant cenedlaethol</a></li><li><a href="../../cy/gateway/debt_rid_5692.html">Pensiynau</a></li><li><a href="../../cy/gateway/debt_rid_5693.html">Cynilion a buddsoddiadau</a></li><li><a href="../../cy/gateway/debt_rid_5698.html">Treth</a></li></ul>
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<h1>Credyd</h1>
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Eich hawliau pan yn benthyca arian neu yn prynu nwyddau trwy fenthyciad neu drefniant credyd.
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<h2>Gwybodaeth a chyngor o wefannau eraill</h2>
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<h3><a href="http://www.consumerdirect.gov.uk/before_you_buy/money_and_credit/" target="_blank">Before you buy - Money and credit</a></h3>
<p>Help for you to take control of your spending and avoid getting into debt. If you are in debt you'll find out where to get free advice.</p>
<p class="from"><i>From:</i> <a href="http://www.consumerdirect.gov.uk/">Consumer Direct</a></p>
</li>
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<h3><a href="../../scotland/d_credit_fact_sheet.pdf" target="_blank">Credit (PDF)</a></h3>
<p>Information on credit including what the law says about credit, what happens if you are refused credit and credit reference agencies.</p>
<p class="from"><i>From:</i> <a href="http://www.adviceguide.org.uk/">Adviceguide from Citizens Advice</a></p>
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<h3><a href="../../shared_oft/consumer_leaflets/credit/oft360.pdf" target="_blank">What type of plastic? (PDF)</a></h3>
<p>If you decide to use a card to buy goods or services this leaflet will help you choose which one is best for you.</p>
<p class="from"><i>From:</i> <a href="http://www.oft.gov.uk/default.htm">Office of Fair Trading- OFT</a></p>
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<h3><a href="http://www.thesite.org.uk/homelawandmoney/money/creditanddebt/typesofcredit" target="_blank">Types of credit</a></h3>
<p>There are several different ways to borrow money, so here's a quick overview.</p>
<p class="from"><i>From:</i> <a href="http://www.thesite.org/">TheSite</a></p>
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<h3><a href="http://www.moneymadeclear.fsa.gov.uk/healthcheck" target="_blank">Financial healthcheck</a></h3>
<p>A questionnaire to check the state of your finances. Includes tips for a healthier financial lifestyle.</p>
<p class="from"><i>From:</i> <a href="http://www.moneymadeclear.org.uk/">Money Made Clear</a></p>
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<h3><a href="http://www.adviceguide.org.uk/index/life/debt/faq_index_debt.htm" target="_blank">Frequently asked questions about debt</a></h3>
<p>Answers questions such as 'my debts are getting out of control, what can I do?'.</p>
<p class="from"><i>From:</i> <a href="http://www.adviceguide.org.uk/">Adviceguide from Citizens Advice</a></p>
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<h3><a href="http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=05_credit_reference_agencies" target="_blank">Credit reference agencies</a></h3>
<p>Explains what credit reference agencies are, and how your credit rating is judged when you apply for credit. Also covers what to do if you are refused credit, or if credit reference agencies have incorrect information about you on their files.</p>
<p class="from"><i>From:</i> <a href="http://www.nationaldebtline.co.uk/england_wales/index.php">National Debtline</a></p>
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<h3><a href="http://www.adviceguide.org.uk/d_how_county_court_judgments_affect_your_credit_rating.pdf" target="_blank">How county court judgments affect your credit rating (PDF)</a></h3>
<p>Information on how your credit rating is affected if a county court judgment has been made against you and how to get your debt record cleared.</p>
<p class="from"><i>From:</i> <a href="http://www.adviceguide.org.uk/">Adviceguide from Citizens Advice</a></p>
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<h3><strong><a href="https://www.cccs.co.uk/debtremedy/(S(qbke4x55yqptlv55nnwfz0em))/midway/cls/cls-start.aspx?clspg=1" onclick="window.open(this.href);return false;" onkeypress="window.open(this.href);return false;">Offeryn rheoli dyled</a></strong></h3>
<p>Defnyddiwch ein offeryn rheoli dyled i gael cyngor ar ddyled am ddim ac yn ddiduedd.</p>
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<h3><a href="../../cy/legalhelp/leaflets.html" target="_self">Delio â dyled</a></h3>
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<p>Eich hawliau wrth ddelio â beilïod neu gasglwyr dyledion.</p>
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<p>Yr hyn allwch ei wneud pan fyddwch ar ôl gyda thalu eich treth Cyngor.</p>
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