Credit Repair & Credit Scoring Modern life revolves around credit - whether it is something as significant as a mortgage or something as small as a payday loan. The ability to spend now and pay back at a later date is part of living in a consumer society.

As there is no automatic right to credit it's important to protect your credit status. Even so you may have found that you have been refused loans, mortgages or credit cards and you would not be alone! Millions of people are refused credit annually because they have a bad credit rating. Bad credit information can stay on your record for 6 years of more.

Do you know what's on your credit file? Why are you being refused loans or other credit? And with identity theft becoming a significant problem would you know if someone else had affected your credit status by posing as you?

Because it is so important to know what's on your credit file we've teamed up with Experian to provide you with their free CreditExpert service.

Who should check their credit files? Anyone who is applying for a financial product - loans, mortgages, credit cards, interest-free credit, etc Anyone who has applied and has been refused - why did they refuse you? Anyone who is concerned about their credit history Anyone who would like to check that the information held on them is correct Anyone who would like to protect themselves from identity theft - the UK's & World's fastest growing crime - in the UK 56,000 people suffered identity theft in 2006! The Home Office actually recommends getting your credit report on a regular basis to help reduce the risk of identity theft. So, don't let credit be denied to you because wrong information is held about you, and don't let yourself become the victim of identity theft. Check your credit file today.		Can I ask for information to be removed from my file? If any of the information held about you is incorrect or should have been deleted but hasn't you can request this to be done - this may well help your credit status. The credit agencies will generally hold information on your file for at least 6 years. Information held by agencies includes: Credit accounts "in default" - deleted 6 years after the date of default Settled accounts Bankruptcy orders - deleted 6 years after the date of the bankruptcy order Individual Voluntary Arrangements (IVAs) - deleted 6 years from the date the IVA was set up County Court Judgements (CCJs) - deleted 6 years after the date of the judgement Details of magistrate court fines To check your credit file for free use the CreditExpert service from Experian
If you have a credit problem and need to borrow then take a look at our poor credit loan options. We have a number of loan options that could help you. And at the same time check your credit file to ensure it's accurate.

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