Credit problems affect millions of people in the UK – from minor hiccups on repayments to major issues leading to bankruptcy. Your credit history sits in a file at one or more of the three UK credit reference agencies. But there are things you can do to ensure the information stored about you is correct and to gradually improve your credit history. Meanwhile it is still possible for you to obtain credit and this in itself may help improve your credit status for the future if you repay in full and on time.

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