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If you are looking for credit repair advice, please be careful!
If you are looking for credit repair advice, please be careful when dealing with companies which claim they can 'clean up' your credit history. You'll find the ads in newspapers and magazines and even on the TV or the radio. You can sort out your credit report yourself or with expert help FREE OF CHARGE. You do not need to pay for credit repair advice.
   
  • You can get free advice about County Court Judgments, bankruptcy, defaulted accounts or other arrears

  • You can get free advice on how to sort out your debts and how to apply for credit even if your past is not perfect

  • You can get free advice about the contents of your credit report
There are three 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		   Experian
Consumer Help Service
PO Box 8000
Nottingham
NG80 7WF 		  Equifax Plc
PO Box 1140
Bradford
BD1 5US
   
If you cannot afford the £2 fee, ask your local Citizens Advice Bureau or other money advisor to help. For the CAB's address look in your local Phone Book or on the Internet at www.adviceguide.org.uk. They will also help you sort out any debt problems
Also, for help with debt and credit problems phone (free):
Your local council might also have a money advice centre. You can find the number in the Phone Book or ask at your local library.
   

YOU DON'T HAVE TO PAY FOR A GOOD CREDIT HISTORY
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.
       
For further information about your UK credit reference files call or visit:
Callcredit Experian   Equifax
Tel: 0870 060 1414
 Tel: 0844 481 8000   Tel: 08705 143700

To get a free booklet called 'Credit explained' from the UK Information Commissioner's Office,
simply phone 0870 600 8100
 
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