We would not advise that you get involved with so called 'credit repair' companies as they don't do anything that you can't do yourself.

Make sure there is no incorrect information on your credit file, which is affecting your credit rating. You can check this by applying for a copy of your file as shown below. If you believe strongly that your credit file is unrepresentative of your credit worthiness, you can ask the credit reference companies to insert a Notice of Correction, which must be then viewed by everyone who sees your credit file.

Make sure you are on the electoral register as lenders use it to confirm your name and address. Do not become frustrated when you are turned down for credit. The number of credit applications you make is recorded on your credit file and is used by many lenders as part of their credit scoring systems. Do not keep applying again and again. It can be a vicious circle with lenders turning you down just because other lenders have.

Ensure that you and other family members pay your bills on time. Do not exceed your credit limits on credit cards and other revolving credit. Do not exceed your bank overdraft. Apply for new credit accounts only as needed.