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WhereToGetALoan.co.uk- How to improve your credit history

How to improve your credit history?

Once you've discovered you have a poor credit history - caused my late payments, defaults, there are things you can do to improve it. You don't have to pay someone to do this. A series of simple steps can help you improve this yourself!

These methods will cost you ONLY a little time and effort.

(See also how to Keep your credit history file good!)

1. Were you listed on the electoral roll? If you weren't then why not sort this out now? Its fairly simple - the list is now updated on a rolling register which means you can be added at anytime. You usually need to prove who you are with some ID and a recent utility bill from your address.

2. Satisfied County Court Judgements - if you've paid a CCJ then make sure this is recorded properly. The county court will tell you how to get a of "Certificate of Satisfaction"

3. Incorrect County Court Judgements - are they correct? If not contact the court and get them corrected.

4. Bancruptcy Order annuled or cancelled but not showing? Send the credit history agent a copy of the 'Order of Discharge' or 'Annulment Certificate'

5. Credit accounts settled but not shown. Contact the company and ask them to also contact the credit history agency too.

6. Wrong information on record about you - contact the credit history agency and they will correct this. This can either be a person added, or an address. Your credit history should only contain information about you and your addreses.

7. Add an explanation - you can add up to 200 words explanation to your credit history (Be very honest and don't expect to be able to wipe away all your problems using this method)

8. Duplicate applications - you can ask the companies concerned to remove duplicated applications. (As long as you did only apply once!)

In most cases you'll need to reapply for your credit file to see an improvement.

(See also how to Keep your credit history file good!)

If you have any questions or comments then please email us - see our contact page

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