IMPROVE YOUR CREDIT RATING

The first thing you need to do in order to improve your credit rating is to check how your credit rating currently looks. You can do this with any of the 3 UK credit reference agencies (Callcredit, Equifax & Experian). For your convenience, we have provided links to obtain your credit rating here.

	» FREE CreditExpert Credit Report From Experian CLICK HERE*
	» Get Your Personal Equifax Credit Report & Credit Watch Gold Monitoring: CLICK HERE NOW!
	» Get the 3 in 1 Credit Report from Checkmyfile HERE

You need to check to ensure that your credit report is up-to-date and reflects your current circumstances. If anything on your credit report needs updating, tell the credit reference agencies and they will investigate matters for you.

Don’t let debts pile up
Make your repayments on time – this shows potential lenders that you are likely to meet future repayments. Better still, try to pay off any outstanding amounts on credit card accounts completely.

If you are already in debt, speak to your creditors and work out payment plans to settle them as early as possible. Details of your debts stay on your credit file for 6 years (12 years for mortgages), so settling them quickly demonstrates that you are managing your credit responsibly.

Register to vote
Lenders check the electoral roll as a precaution against fraud, to ensure that you are who you say you are and live at the address you have given. If your name doesn't appear, lenders may not be able to confirm that you live at your address, so you could face ID checks or even rejection.

Protect your identity
If you notice something surprising on your credit report, such as a loan application you did not make, you could be a victim of identity fraud. Inform the creditor in question, as well as the credit reference agencies. They will help to investigate the matter and will offer you help and advice.

Don't leave unnecessary footprints
When shopping around for credit, ask companies for a quotation before making a formal application. Lenders may interpret an abnormal number of searches on your credit file as indicating that you have applied for an unmanageable level of credit. They may even suspect fraud.

Tell the truth
Don’t lie or fudge the truth on credit application forms. Lenders find out and any inaccuracies on your credit application will tell against you and cause difficulties in future.

There is no quick fix to improve your credit rating
Despite the claims of many credit repair companies, there really is no quick fix to improving your credit rating. There are no hidden secrets or methods to boosting your credit score.

Think about it, if there were such secrets, do you not think that they would be spread all over the internet for free by now, rather than you having to fork out a fee for their guides or credit rating repair services? Just look at the way the information on reclaiming bank charges made it's way across the internet. If those secrets did exist, everyone would have perfect credit ratings by now!

Click this link for the details that the credit repair companies sell to you advising you on HOW TO MAKE CHANGES TO YOUR PERSONAL CREDIT REPORT. (IT'S FREE)

Take the first step to improving your credit rating RIGHT NOW!
Get your credit report right now by clicking on either of the links below:

It's important to note that the credit information that each credit reference agency holds could differ from one credit reference agency to another. Therefore, it may be wise to obtain credit reports from more than one credit reference agency. For your reference purposes, we have included a table stating which lenders use which credit reference agencies HERE.

	» FREE CreditExpert Credit Score From Experian CLICK HERE*
	» Get Your FREE* Personal Equifax Credit Report & Credit Watch Gold Monitoring: CLICK HERE NOW!
	» Get the 3 in 1 Credit Report from Checkmyfile HERE
	» Get Identity Theft & Fraud Insurance Insuremy I.D. HERE

If you have any questions, feel free to email us at: info@thecreditagency.co.uk