Stay well clear of credit repair scams.

The is no such thing as credit repair – other than by prompt and continious credit repayments.

Credit reports contain only factual information about you, credit you have applied for and payments you have missed. There is no way of removing information that is unfortunately correct - It stays there for 6 years.

It can be true that you have a damaged credit file due to incorrect information; therefore you are advised to obtain a copy of your credit report to make sure this is not the case.

You may also may want to make sure that entries that should be there are not missing, for example notification of satisfactory payment of a debt relating to a CCJ.

See the link for advice on fixing incorrect information on your credit report > Correcting Credit Reports

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