It is worth while checking your credit file and is a good idea to keep a copy for your reference.
Avoid credit repair organisations, the Office Of Fair Trading warns that information given by these companies may be wrong, or misleading.
Make sure you are on the electoral roll.
If you have paid any court judgements contact the court to receive a certificate of satisfaction and update your file to show it as settled.
Make all payments on time.
If you have settled a credit account but your report doesn’t show this, then contact the relevant company concerned and ask them to make the necessary changes.
If a company has searched your credit file more than once in response to only one application ask them to remove the record of the unauthorised searches.
