How do I repair my credit rating?

Many people, are very keen to repair their credit rating. If you were to believe all you see and hear in the press, on the TV and on the radio, you may think it's a simple thing to 'clean up' your credit history. If you are looking for credit repair advice, please be careful when dealing with companies which claim they can.

Repairing your credit file is something you can easily do for yourself. You can get with expert help, but be aware this help should always be FREE OF CHARGE.
You do not need to pay for credit repair services and certainly not for credit repair advice or debt help.

You can get free advice about County Court Judgments, bankruptcy, defaulted accounts or other arrears from our free debt helpline 0800 018 6868

If you have a bad credit history or a poor credit rating, you can get free advice on how to clear your debts or apply for new credit . We can also give you advice about the contents of your credit report and discuss how it may affect you. You may wish to consider IVA advice or Debt Management plan.

In the UK, credit information is held by three main credit reference agencies. They can help you find out why you may have been refused loans.  To find out more about how to go about obtaining a copy of your credit report you should visit the web sites of these credit reference agencies below. The two main ones, Equifax and Experian both allow you to order your credit reports online:

Callcredit plc
PO Box 491
Leeds
LS3 1WZ
Tel: 0870 060 1414

Experian
Consumer Help Service
PO Box 8000
Nottingham
NG80 7WF
Tel: 0870 241 6212

Equifax Plc
PO Box 1140
Bradford
BD1 5US
Tel: 0870 514 3700

County Court Judgments and records of arrears can sometimes be removed from a credit reference file. But do not be tempted to lie to a court. Never pretend you have not received a Summons if you have. The consequences of lying to a court can be very serious.

Our trained debt counsellors are available to advise you now! We are able to tailor a bespoke debt solution for you based on years of valuable experience.

Either call our FREE debt helpline (0800 018 6868) or submit your details online and one of our trained debt advisors will call you back at when it suits you.

This is a free, no obligation, confidential service and no sales person will call.