Fis Ionawr 2019, comisiynais Policy in Practice i ymchwilio i effeithiau Credyd Cynhwysol ar ein cynllun cenedlaethol, Cynllun Gostyngiadau’r Dreth Gyngor, ynghyd â dyledion treth gyngor ac ôl-ddyledion rhent yng Nghymru. Fe wnaeth yr ymchwil hydredol a manwl hon fynd ati i dracio amgylchiadau aelwydydd dros gyfnod o amser, gan ddefnyddio data o bob ardal yng Nghymru. Caiff hyn ei ategu gan ymchwil ansoddol newydd i brofiadau hawlwyr Credyd Cynhwysol, gwasanaethau cynghori, awdurdodau lleol, cymdeithasau tai, a landlordiaid preifat.
In January 2019, I commissioned research by Policy in Practice to shed light on the impact of Universal Credit on our national Council Tax Reduction Scheme, council tax debt and rent arrears in Wales.  This in-depth and longitudinal research sought to track the circumstances of households in Wales over time using data from all areas of Wales. It is supplemented by new qualitative research into the experiences of Universal Credit claimants, advice services, local authorities, housing associations and private landlords.