Bad Credit History                 

You can find yourself with an adverse or bad credit history for various reasons, including:-

*  you may have County Court Judgements or a Mortgage Default registered against you,

*  you  may have Mortgage Arrears,  or fallen behind on another loan you have, 

*  you may be Self Employed, and not able to prove your income, needing a self certified mortgage.

*  you may be an ex-bankrupt or have an IVA.

A Bad Credit History need not stop you from applying for a mortgage or loan.  There are several leading companies who will still consider your application for a loan for poor credit, even if you have a Bad Credit History, or any of the above situations apply to you, or your partner.

So if you have an adverse credit history, or your credit history is less than perfect please read through our site for information that will assist you in applying for the right loan or mortgage for your circumstances. 

With a Bad Credit History, you may just want some debt consolidation help to organise all of your loans, so you only have one payment going out each month, and this option can often give you a surplus of cash for you to spend which is the equivalent of a cash advance loan.

Why Check your  Credit Report?

You may want to check your own credit report information so you can see exactly what is being reported about you and your circumstances.

If anything in your report is out of date or gives a misleading picture of your willingness or ability to repay a loan, mortgage or credit card, it can affect your chances of borrowing money. If the right borrower is not approached, it can lead to outright rejection by some lenders.

For example you may have separated from a partner who has since run up debts but, because you still have a joint account then his or her payment behaviour could be affecting you.  You will not see their credit data on your report, but you will find a note of any financial association.

Or you could have shopped around for the best offer, without realising your enquiries have been registered asmultiple applications.  These shouldshow as quotation searches. If they are down as applications, lenders could think that you are desparate for money, have over-extended yourself or even that fraud is being planned.

You could even find that applications and credit accounts in your name show up on the report that you did not ask for.

Remember that If anything shows up in your credit report that is either out of date or gives a misleading picture of your willingness or ability to repay a loan, mortgage or credit card, it can affect your chances of getting the right deals.