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Your credit score plays a crucial role in your financial life. Whether you’re applying for a home loan, car finance, or a credit card, having poor credit can limit your options and increase interest rates. In this guide, we’ll provide practical steps to fix your credit and set you on the path to financial recovery.
1. Understand Your Credit Situation
- Check Your Credit Report Regularly: Errors are common on credit reports and can affect your score.
- Identify Negative Listings: Understand defaults, late payments, and inquiries impacting your score.
2. Dispute Credit Report Errors
- File disputes for incorrect or outdated information.
- Provide supporting documents to strengthen your dispute case.
3. Pay Off Outstanding Debts
- Prioritise high-interest debts.
- Negotiate payment plans with creditors.
4. Build Positive Credit Habits
- Pay bills on time.
- Avoid maxing out your credit cards.
5. Seek Professional Help If Needed
Sometimes, fixing credit requires expert assistance. Professional credit repair services can simplify the process and improve results.
Take the first step toward financial freedom. Contact us to get your free credit report and personalised advice today.
FAQs About Credit Repair Services
You’re entitled to one free credit report every 12 months from each of the three major credit reporting agencies. Additionally, you can get a free report if you’ve been refused credit within the past 90 days or if your credit-related personal information has been corrected.
No, requesting your own credit report is considered a “soft inquiry” and does not impact your credit score.
If you find an unfamiliar account, it could be due to an error or potential identity theft. Contact the credit reporting agency or reach out to us immediately to investigate and rectify the issue.
Most negative listings, like defaults or court judgements, remain on your credit report for five years. Serious infringements can stay for seven years. Late payments, also known as RHI, remain on your credit report for two years.
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