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Repair and Improve Credit Score

If you have been turned down for credit or are unable to purchase items on credit, then you should look at your credit score without delay. If you have a poor credit rating it can be difficult to know how to start repairing it and the task can seem almost impossible. But it is possible and is worth doing. Having a strong credit score will stand you in good stead for all your financial needs now and in the future so if you score is low it is worth making the effort to improve it.

Most lenders will refer to one of the major credit reference agencies to check your score and your past financial history.If you want to fix and improve your credit score, here are some tips to help you.

The first step is to get a copy of your credit score. Check all the information and make sure it is correct. Make sure your name and address is correct, and that all the details are correct and the information up to date. If there are any errors you can address these with the credit reference agency and the creditor in question.

The next step is to make sure that you pay all your creditors on time. Any accounts that you have that are in arrears, work to bring them back up to date as quickly as possible, and then keep them up to date by paying everything on time. Outstanding defaults that continue to go unpaid will bring your score down. Make sure everything is being paid and all debts are cleared as quickly as you can.

If you were declared bankrupt or previously signed a trust deed but have now been discharged, make sure you inform the credit reference agency so your record can be correctly updated.

In certain situations you may also be able to attach a notice of correction to your file explaining a certain entry. If you are unsure, always ask the credit reference agency, they will advise you on how to deal with inaccurate information or special circumstances.