How do I restore my credit rating?

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How do you restore credit rating?

There are many companies that state that they can help you clear your credit rating, or restore your credit rating, some even go as far as claiming they can remove your bad credit information, such as IVA or CCJs etc. However most cannot do much more than what you your self could do, to restore your credit rating. IVAs, CCJs and Bankruptcies leave huge dents on your credit rating, these marks cannot be taken off your credit score, unless of course they were put there by accident, which then could be removed. Some items may be cleared if you had paid the creditor off in the span of a month from the stated date of the default. These will appear on your credit summary as being satisfied. The first step in fixing your credit report is to gain access to it, there are currently many companies out on the market who allow you to view your credit report, the market leading credit reporting agencies are Experian , Equifax are the two largest. You should make sure you keep up with payments on any store, or credit cards you may have and make notes of all the balances so that you know where you stand. Be sure not to be in default, by avoiding arrears. You should make sure that you are on the electoral list. You should also aim to pay your bills on time as arrears on such things will also appear on your credit score, even if it means you have to make the minimum payment, lenders like to see you making regular cash payments for your debts.