Repair your credit
If you have bad credit or a bad credit rating and want to repair your credit we can help. We have a variety of solutions available from conventional loans to more modern, none financed solutions.
Regardless of your financial circumstances were confident we can help, to start repairing your credit today simply call 0845 092 2331.
- Reduce your monthly debt payments
- One affordable monthly payment
- Consolidate your debts
- Specialist debt advisors
Apply for better credit terms in the future, get peace of mind and put yourself back in the financial driving seat!
What is credit repair?
Credit repair, is the process of accessing any credit problems you may have and devising a solution or plan of action in order to repay the bad debt - thus 'repairing' your credit - or more specifically your payment profile and payment history listed on your credit report, which a lender will refer to in order to determine if you fit their lending criteria.
Take the the free debt test now!
We realise that consolidating debts is not always the best option and if we feel there may be better options available to you we will let you know, if we feel its not in your best interest to consolidate your debts, again we will let you know. With many years experience working in the adverse credit industry we have a wealth of knowledge at your disposal.
Be very wary of companies who claim they can repair your credit overnight - this simply isn't possible. Any bad credit will remain on your credit file for a number of years after they have been repaid, although consolidating debts will improve your credit status - as the bad debt will show as settled - they will still show on your credit file and repairing your credit to a point where it no longer has any effect on future credit applications will take time.
You may also be interest in Credit reference agencies
What options are available
There are various options available for people wanting to repair their credit, the most popular ones are obvious but there are less known solutions that are becoming more popular as people feel the credit crunch bite.
We have listed the most popular and most successful ways of repairing your credit below showing the main differences between them.
Debt Management -vs- Debt consolidation -vs- IVA
 |
reduced payment | 1 monthly payment | Affect Credit | Reduced term | write off debts |
|---|---|---|---|---|---|
| Consolidation loan | YES | YES | NO | NO | NO |
| Debt Management | YES | YES | YES | NO | NO |
| IVA | YES | YES | YES | Possibly | YES |
Both debt management and IVA assume that you are struggling with debts, you do not have to be struggling with debt to apply for a consolidation loan but if you have bad credit already then this option may not be available.
We can talk you through all the credit repair options available and recommend options that would suit your circumstances and budget, contact us today.
Get your credit repair report
Our credit repair report are for people wanting written details of how they can start repairing their credit status & is tailored to your individual circumstances.
It is based on information provided by your and details from your credit file which can be obtained free here for 30 day.
What information is used to create the report?
The credit repair report is created using information given in confidence to us by you, we ask similar questions as a lender would and will also ask that you let us see your credit report in order to gain a better understanding or your circumstances, if you don't want us to see your credit report you can simply tell us what information is on it.
As all the information is provided by you, the report will be tailored to your circumstances and budget!
What will the credit repair report show me?
The credit repair report will show your current financial circumstances, it will give a breakdown of income and expenditure and highlight your disposable income.
It will also show all credit repair options available, even ones you may not qualify for or ones that are not suited to your needs and give an explanation of what the options are, its qualifying criteria and why we feel its not suited to your needs - this should give some perspective if you have been offered a debt solution which we feel is not right for you and explain why.
After applying for something only to be refused, it can often be a minefield getting the correct information in the right way so you can make a decision based on what's best for you.
- What debt solutions are available to you?
- How you can go about repairing your credit?
- Why was you refused finance?
- How can you put your credit in order so you can get approved in future?
- How do I know which solution is right for me?
The credit repair report will give the answer to these and other questions you may have.
We feel that knowledge is power and once you are armed with all the information you can make an informed decision as to what's best for you.
The report will also show which debt solutions we fell are suited to your needs, budget and circumstances and explain why.
How long will the credit repair report take to produce?
Once we have all the information required, which should take 2 to 3 days depending on your circumstances we can usually produce the report with 24 hours so you will know where you stand within a week of contacting us.
What will the credit repair report cost?
The credit repair report costs £199 payable in advance of any work being carried out - once payment is received we will get to work on your report as soon as possible and look to provide you with your written report within one week.
Why do you charge for the report?
The credit repair report contains informative and valuable information tailored to your circumstances and takes time to put together, its not something we can churn out in a couple of hours.
You will also have access to a debt specialist working for you whilst your report is being created.
It is produced using our years of experience and our understanding of your requirements, it is a professional document which could substantially help and improve your financial future.
