FAQs

The easiest way to find your credit score is to request a copy of your credit file. You can do this by sending a request to the main credit reporting agencies.

Yes, but it depends on the contents of your credit file. We need to look at your file and discuss each negative item with you to find out if the listing is fair. Once we understand your situation better, we can write to each of the credit providers and ask them to review it.

When you pay a debt, the listing may not necessarily be removed from your credit report; it may have only been updated to a paid status, which means that you are still going to be in the exact same position with bad credit.

The paid default listing will still most likely prevent you from obtaining a loan or finance.

Yes, it is possible to do this yourself; however, based on our experience and our client’s experiences, most people give up shortly after starting due to not being able to achieve the desired results.

Like most professional services, we have knowledge and processes that can save you lots of time. Our success rate is one of the highest in the industry, and that’s because we will give you an honest assessment of your chances before we proceed.

The three main credit bureaus are Equifax, Illion and Experian. When lenders want to see your credit report, they will request it from one or more of these credit reporting agencies.

Your report and score can differ from bureau to bureau because they don’t always have the same information, so we recommend you check each report separately just to make sure that you don’t miss anything.

The three main credit bureaus are Equifax, Illion and Experian. When lenders want to see your credit report, they will request it from one or more of these credit reporting agencies.

Your report and score can differ from bureau to bureau because they don’t always have the same information, so we recommend you check each report separately just to make sure that you don’t miss anything.

A poor credit file can cost you in many ways. It can stop you from getting loans from reputable lenders, leading on higher interest charges. It can also stop you from getting credit entirely, which might put your house or your business at risk.

Specialist services are expensive, and you need to weigh this up against the cost of not being able to access credit.

Generally, we get results within three or four weeks. However, each person's credit situation is unique. How long it will take for any particular person to see results depends on many factors, such as the nature of their case, the number of negative listings on their report, and the level of credit bureau and credit providers' cooperation.

A payment default is an overdue debt that has not been cleared. It can be placed on your file by credit providers if you break or default on the conditions of that credit. Credit providers register a payment default against your file as a form of penalty and warn other credit providers that you are a credit risk.

By better understanding your circumstances, we can negotiate with the credit provider to correct the listing if it is incorrect or unfair.

A court judgement is a decision of a court.

In the context of a credit file, it is a record that a judge has determined that you are liable for a debt. These should be taken very seriously.

Court judgements CAN be removed from your file. Click here to find out more.