Online Credit Repair Secrets
what is the best credit repair service in uk?
i like to fix my credit and need some good advice? can anybody help me, thanks.
Public Comments
- Only YOU can sort out YOUR credit history. To do so, first you need to get your Credit Report from the Credit Reference agencies (Experian etc) = they have to give you your report (but can charge a max. of £10, although I believe Experian only charge £5). Next contact all the companies/persons listed against you and sort out what you owe them. You need them to accept the smallest possible amount to pay off the debt. Some may have already written off the debt. Once the debt is repaid (or written off), you then have to get them to register the debt as 'satisfied' with the Courts (if it was CCJ) AND tell the Credit Reference agencies. Alternative = go to a cowboy 'Credit Repair' agency who will rip you off for money you don't have (don't worry, they can get you a loan at 60% p.a.) and either do nothing or use part of the loan to pay off your other debts (whilst keeping a 'commission' of 25% for themselves). Some will attempt to commit fraud in your name by writing to the Courts claiming that a CCJ is 'invalid' and should be 'put aside'. This sometimes works because big Companies are often too slow to object in time. Needless to say, months later when the big companies find out what's been done they can take you to court again, this time claiming their legal costs to re-instate the original CCJ, so you end up with 2 CCJ's against you.... Typical end resut of using a Credit Repair Agency == your Debts of £10,000 are all paid off with a new loan for £20,000 (at 60%+) ... and they will have done things in your name that will come back to bite you later ..
- the BEST credit repair is to pay your bills on time seriously - no -one can repair your credit history. you can check it is correct, but if it is then the only way to improve it is to make all payments on time. Heck I rebuilt mine with a guaranteed credit card, paid it off in full without fail, now I am getting offers every week - i was bankrupt in 2001, credit histories dont come much worse than that.
