Personal Credit Rating and Debt

How did I manage to get a bad credit rating?

If you have ever had trouble getting a credit card, loan, mortgage or even car finance, a bad credit rating could be one of the main reasons you might get turned down. Even opening a normal bank account could be difficult.

If you've ever been bankrupt, had a county court judgement, defaulted on a previous loan payment or missed a credit card payment you will will more than likely have a bad credit history. 

Whenever you apply for credit, lenders will routinely run a credit reference search by contacting the major credit reference agencies, who hold your Personal Credit Information on file.

Is there a credit blacklist?

Many people believe that there is a credit blacklist, on which everyone with a poor credit history resides and lenders use this to deny credit applications. This is not true!

Is there any way I can get around a bad credit rating?

If you are looking for credit rating information you need to contact one of the UK's credit reference agencies below for your credit rating report.

 

 

 

 

 

 

 

 

You can get free advice about County Court Judgments, bankruptcy, defaulted accounts or other arrears from our

Free Uk Debt Helpline     0800 018 6868

You can get free advice on how to clear your debts and how to apply for credit with a bad credit history or rating. It is possible to find credit cards, loans and other Uk based mortgage companies who are more likely to accept you if you have had a bad credit history.  Call FREE in absolute confidence 24 hrs!

You can get free advice about the contents of your credit report and what you can do to repair your credit rating.

Who holds my Personal Credit Information?

There are three main credit reference agencies in the UK. For details of how to order your UK credit reports visit their web sites below. 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.

Call us now on 0800 018 6868. Our lines are open and your call is free!