First Step to Repairing Your Credit

The first thing is to make sure all your payments to creditors are made on time. If you are forced to miss a payment, make sure you tell the creditor and the payment is made the following month. If you have outstanding defaults pay them off.
You should obtain your credit history from the ratings agencies and make sure everything is correct and up to date. For example, if you have paid a debt that was the subject of a county court judgment, make sure it is shown on the file.

Being on the electoral roll correctly is essential. A mix-up in something as simple as house number can cause major problems. Often people find that simple measures such as making sure you are on the electoral roll or filling out credit application forms correctly will help boost your rating.

If a bankruptcy order is annulled ensure a copy of the order of discharge or annulment is distributed to credit agencies.

Lenders can also search your credit report more than once during a single application and if this occurs you should again alert credit reference agencies.

Reference agencies also allow people to explain why they may have had a period of poor credit performance. Consumers can attach a 'notice of correction' on their report explaining why they missed payments.

NEVER let credit repair companies repair your credit report for you!

To repair your credit report you will need to access your credit report by applying to Equifax or Experian. Did you know that credit repair companies cannot access your report or apply to have CCJ's removed nor can they request Equifax or Experian to update your report. You have to do everything yourself. You only pay them for ADVICE.