Do you have a
poor credit history? Have you defaulted on previous loans or
received a CCJ?
Bad Credit History is a new resource with information on how you can get the loan or finance agreement you need, despite having a bad credit history. We aim to provide details on how you can take steps to repair or workaround a bad credit history.
How can a bad credit history effect you?
Having a poor credit history can prevent you getting:
Companies like Experian and Equifax hold information on individuals credit ratings. Companies and organisations that are asked to provide credit will check on your credit score using these databases to assess the level of risk in lending you money.
You can check for yourself what these companies think of your credit rating by ordering your own personal credit report. By knowing what your rating is, you can avoid making applications that get declined and in turn worsen your rating. Every time you make a credit application that is declined, it leaves a "footprint" on your file which makes your situation worse than it was.
View Your Credit Report
Freedom to view your credit history online
Did you know that your credit report information is very important to lenders when they are deciding whether to give you a loan or credit card? Which is why it's important to make sure your report is accurate and up to date.
CreditExpert is the first and only online credit monitoring and identity fraud protection service of its kind, it's simple to use and it's free for 30-days!
Get your
free Experian credit report and 30 day free trial of the CreditExpert Monitoring Service.
What you get:
* Know your credit history before you apply for credit
* E-mail and text alerts for early fraud detection
* Freephone advice from credit reference specialists
* Credit tips and tools to help you manage your money
Click here to start your trial now >>
Get Financing, Despite Your Bad Credit History
Thankfully, having a bad credit history is not the end of the world and there are companies out there who can assist you in raising the finance you need, despite a history of arrears or CCJs. is one such company. You can apply now and you will get a decision in principle within 24 hours. Because specialise in clients with previous problems, you can apply knowing that you are less likely to damage your credit rating further with a rejection.
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