1. Ian Hamilton Hydraulics
City/Town: Bampton
Postal Code: OX18 2AA
Street Address: Moss Rose Cottage Buckland Rd
Country: UK
2. PT Heating and Plumbing
City/Town: Coventry
Postal Code: CV5 8EW
Street Address: 25 Watson Rd
Country: UK
3. Raf’s Breakdown Recovery
City/Town: Reading
Postal Code: RG6 1AZ
Street Address: 49 Suttons Park Avenue
Country: UK
4. Cooper & Elms
City/Town: King’s Lynn
Postal Code: PE30 1EJ
Street Address: 30 Tower St
Country: UK
5. N.B. White Domestic Appliances
City/Town: Scarborough
Postal Code: YO13 9AL
Street Address: 60 High St
Country: UK
6. Automotive Solutions Corby Ltd
City/Town: Corby
Postal Code: NN17 1JW
Street Address: 99B Rockingham Rd
Country: UK
7. Icon Automotive
City/Town: Huntingdon
Postal Code: PE28 5SY
Street Address: The Barn, Burghmont Farm, Glatton Rd
Country: UK
8. CA Tyres
City/Town: Carlisle
Postal Code: CA1 2FH
Street Address: 11 Tramside Way
Country: UK
9. Fast Lane Vehicle Breakdown and Recovery
City/Town: Stockton-On-Tees
Postal Code: TS18 3SB
Street Address: 9 Douglas Close, Preston Farm Ind Est
Country: UK
10. DNA Customz Ltd
City/Town: Ilford
Postal Code: IG3 9UN
Street Address: 786 High Rd
Country: UK
11. Pro-Tech Dental Laboratories
City/Town: Morecambe
Postal Code: LA4 4HF
Street Address: 40 Albert Rd
Country: UK
12. Bespoke Alloys
City/Town: Uxbridge
Postal Code: UB9 4DW
Street Address: 5 Moat Place Oxford Rd
Country: UK
13. J R C Vehicle Repairs Ltd
City/Town: Fareham
Postal Code: PO16 8TT
Street Address: Unit E2 Fort Wallington Ind Est
Country: UK
14. Merseyside Exterior Cleaning
Address not complete
15. Handyman Dom Ltd
City/Town: Preston
Postal Code: PR1 4AY
Street Address: 166 London Rd
Country: UK
16. Watlington Drain Renovations Ltd
Address not complete
17. Sparkey Clarkey & Chloe Electricians
City/Town: Burton-On-Trent
Postal Code: DE15 0QN
Street Address: 27 Bretby Lane
Country: UK
18. Complete Boiler Solutions Ltd
City/Town: Hornchurch
Postal Code: RM11 3AT
Street Address: Coopers House, 65a, Wingletye Lane
Country: UK
19. Clean & Restore Ltd
City/Town: York
Postal Code: YO23 1HT
Street Address: 20 Trafalgar St
Country: UK
20. Richardson’s Auto Detailing & Valet Service
City/Town: Newton Aycliffe
Postal Code: DL5 7DP
Street Address: 61 Kirkstone Place
Country: UK
21. Pegasus Plumbing
City/Town: Sunderland
Postal Code: SR5 1JF
Street Address: 18 Crozier St
Country: UK
22. Fielding Plumbing & Heating Ltd
City/Town: Melksham
Postal Code: SN12 8FA
Street Address: 46 Teachers Way
Country: UK
23. M J Green Groundworks
City/Town: Burnham-on-Crouch
Postal Code: CM0 8HR
Street Address: 34 Dunstan Rd
Country: UK
24. T H Lifting Services Ltd
City/Town: Pontyclun
Postal Code: CF72 9DD
Street Address: Unit 3, Heol y Derw Industrial Estate
Country: UK
25. A M Plumbing & Heating
City/Town: Weybridge
Postal Code: KT13 9XB
Street Address: 12 Queens Rd
Country: UK
26. Go Direct Minibuses
City/Town: Kidderminster
Postal Code: DY10 1DA
Street Address: 40 Victoria Rd
Country: UK
27. Car Fix Garage Ltd
City/Town: Sunbury-on-Thames
Postal Code: TW16 6AD
Street Address: 55 Thames St
Country: UK
28. Woodward Electrical Services Ltd
City/Town: Peterborough
Postal Code: PE1 1EQ
Street Address: 22 Bridge St
Country: UK
29. JB Roofing & Building Services
City/Town: Sudbury
Postal Code: CO10 2XG
Street Address: 19 Harrow Rd
Country: UK
30. House & Home Removals
City/Town: Droitwich
Postal Code: WR9 9AD
Street Address: 6 Orchard Ave
Country: UK
31. Hydraclean Ltd
City/Town: Stockport
Postal Code: SK12 1QG
Street Address: 3 Parkway, Poynton
Country: UK
32. Vision Security Solutions Ltd
City/Town: Redhill
Postal Code: RH1 1RX
Street Address: 45 High St
Country: UK
33. Electrician Services Kent
City/Town: Folkestone
Postal Code: CT19 5HJ
Street Address: 10 Birch Rd
Country: UK
34. Eco Solutions Pest Control
City/Town: Leeds
Postal Code: LS5 3PS
Street Address: 7 Elbow St
Country: UK
35. Precision Gas Engineers
City/Town: Darlington
Postal Code: DL3 7AQ
Street Address: 4 Duke St
Country: UK
36. RSR Roofing
City/Town: Brentwood
Postal Code: CM14 4AS
Street Address: 28 Crown St
Country: UK
37. S & D Garden Services
City/Town: Banstead
Postal Code: SM7 3RQ
Street Address: 2 Summerhill
Country: UK
38. North East Boiler Solutions
City/Town: Durham
Postal Code: DH1 5EJ
Street Address: 17 Front St
Country: UK
39. Able Drainage
City/Town: Pulborough
Postal Code: RH20 1AH
Street Address: 8 Station Rd
Country: UK
40. HPS Plumbing & Heating Services
City/Town: Cheadle
Postal Code: SK8 1BB
Street Address: 14 Ashfield Rd
Country: UK
41. Kent Electrical Contractors
City/Town: Faversham
Postal Code: ME13 7BE
Street Address: 19 Abbey St
Country: UK
42. DP Joinery
City/Town: Bingley
Postal Code: BD16 1HR
Street Address: 26 Beech Hill Rd
Country: UK
43. Rhino Removals
City/Town: Wigan
Postal Code: WN5 8DJ
Street Address: 12 Enfield St, Pemberton
Country: UK
44. Sparks & Co Electrical Services
City/Town: Dunmow
Postal Code: CM6 1AH
Street Address: 48 High St
Country: UK
45. Swift Locksmiths
City/Town: Ipswich
Postal Code: IP1 3NF
Street Address: 20 St George’s St
Country: UK
46. Safe Gas Services
City/Town: Henley-on-Thames
Postal Code: RG9 2BG
Street Address: 22 Bell St
Country: UK
47. Arrow Plumbing & Heating
City/Town: Slough
Postal Code: SL3 7EW
Street Address: 9 St Mary’s Rd
Country: UK
48. Dynamic Construction Solutions
City/Town: Littlehampton
Postal Code: BN17 6AW
Street Address: 15 Willow Rd
Country: UK
49. Crystal Clear Window Cleaning
City/Town: Loughton
Postal Code: IG10 4QH
Street Address: 11 Hillcrest Rd
Country: UK
50. Apex Building & Maintenance
City/Town: Hereford
Postal Code: HR4 9BX
Street Address: 24 King St
Country: UK
Credit repair is a vital process for individuals seeking to improve their creditworthiness and financial standing. In the UK, credit repair focuses on helping people address and rectify issues on their credit report, such as late payments, defaults, or inaccuracies, which could negatively impact their ability to secure loans, mortgages, and other financial products.
Given the importance of credit scores in determining access to affordable credit, services that specialize in credit repair have become essential for many individuals. These services often help clients navigate the complexities of credit reporting, dispute errors, and develop strategies to rebuild their credit scores over time.
Understanding Credit Scores in the UK
Before delving into credit repair, it is essential to understand the concept of a credit score. A credit score is a numerical representation of an individual’s creditworthiness, calculated based on information in their credit report. The higher the score, the more likely a person is to be seen as a low-risk borrower by lenders. The score ranges from 0 to 999, with higher scores indicating better credit risk.
In the UK, credit scores are calculated by three major credit reference agencies (CRAs):
- Experian
- Equifax
- TransUnion
Each CRA uses its own methods to calculate the score, meaning a person’s credit score may vary slightly across these agencies. A credit report includes information on a person’s credit history, such as outstanding debts, payment history, and credit applications, which all influence the score.
Why Credit Repair is Important
Credit repair is important for several reasons, particularly for individuals who have experienced financial difficulties such as missed payments, defaults, or bankruptcies. A low credit score can prevent individuals from accessing affordable credit, leading to:
- Higher interest rates: Lenders may offer loans or credit at higher interest rates if the borrower has a poor credit score.
- Refused credit applications: A low score can result in credit applications being declined.
- Limited financial options: A poor credit history may make it harder to obtain mortgages, personal loans, credit cards, or even car financing.
By repairing a credit report, individuals can improve their credit scores, opening up better financial opportunities, such as:
- Lower interest rates on loans and credit cards.
- Easier access to mortgages and home loans.
- The ability to obtain a wider variety of credit products.
The Credit Repair Process in the UK
- Obtain a Copy of Your Credit Report The first step in credit repair is to obtain a copy of your credit report from each of the major credit reference agencies. In the UK, individuals are entitled to a free credit report once a year from each of the three agencies. You can request this report online through the agencies’ websites or via third-party services.
- Identify Errors or Inaccuracies Upon reviewing your credit report, it is crucial to identify any errors, inaccuracies, or outdated information. Common issues on credit reports may include:
- Missed payments that were made on time.
- Defaults or CCJs (County Court Judgments) that should no longer appear due to the time limits.
- Outdated personal details, such as previous addresses.
- Fraudulent activity or identity theft.
If you spot any errors, it’s essential to dispute them with the credit reference agency. The agency is obligated to investigate and rectify any inaccuracies within a certain timeframe.
- Dispute Inaccuracies Once errors are identified, they should be disputed directly with the relevant credit reference agency. This is typically done through their online portals, where you can submit evidence to support your claim (e.g., bank statements, payment receipts, etc.).
The credit agency will then investigate the dispute and, if necessary, amend the credit report. The time it takes to resolve a dispute can vary, but it usually takes around 28 days for a resolution.
- Addressing Missed Payments and Defaults For those with missed payments, defaults, or late payments on their credit report, taking steps to ensure that future payments are made on time is crucial for rebuilding credit. The more consistent and reliable you are in paying bills and debt, the more positive impact it will have on your credit score over time.
If you have missed payments, you can contact the creditor to discuss possible arrangements for settling or renegotiating debts. If you have defaults or CCJs, some creditors may agree to mark the account as “satisfied” once it is paid off. This won’t remove the default or CCJ from your report, but it can improve how lenders view your credit history.
- Requesting Goodwill Deletions Some individuals may have been late with payments or missed payments due to circumstances like illness or financial hardship. In these cases, it may be possible to request a “goodwill deletion” from the creditor. This involves asking the lender to remove the negative information from your credit report as a gesture of goodwill.
While creditors are under no obligation to grant these requests, it’s worth asking, especially if you have a generally good payment history with the lender.
- Debt Consolidation and Settlement If you have several outstanding debts that are affecting your credit score, debt consolidation may be a viable option. This involves combining multiple debts into one manageable loan with a lower interest rate, making it easier to make regular payments. Successfully consolidating debts can improve your credit score by reducing the number of missed or late payments.
In some cases, negotiating a debt settlement with creditors can also be part of the credit repair process. This involves negotiating to pay less than the full amount owed in exchange for the creditor agreeing to consider the debt settled. However, settlements may negatively affect your credit score in the short term.
- Using a Credit Repair Service For individuals who are struggling to navigate the credit repair process, there are professional services available to help. Credit repair agencies in the UK offer assistance in improving credit scores by disputing errors, negotiating with creditors, and providing general advice on how to manage finances to rebuild credit.
However, it’s important to be cautious when choosing a credit repair service. The Financial Conduct Authority (FCA) regulates businesses offering debt management and credit repair services, so it’s essential to ensure that any service you use is registered and compliant with FCA guidelines. Beware of companies that promise “quick fixes” or charge high fees upfront without offering tangible services.
- Build Positive Credit Habits Building a good credit history involves consistent, positive financial behavior. Key habits that can help improve a credit score over time include:
- Paying all bills on time, including credit cards, loans, and utility bills.
- Keeping credit utilization low (ideally below 30% of your available credit).
- Avoiding unnecessary credit applications that may harm your score with hard inquiries.
- Using a mix of credit products (e.g., credit cards, personal loans) responsibly.
- Regularly checking your credit report for accuracy and any signs of fraud.
Costs of Credit Repair Services
Credit repair services in the UK generally charge either a one-time fee or a subscription fee, depending on the services provided. Fees for these services can vary widely, so it’s important to be clear about the costs upfront and to compare different providers.
Many individuals may find that DIY credit repair, through direct dispute of errors and improving financial habits, is an effective and more affordable way to rebuild credit. However, for those who need more hands-on assistance, professional credit repair services can offer valuable expertise and support.
Conclusion
Credit repair in the UK is an important process for individuals seeking to improve their credit scores and regain financial stability. Whether through correcting inaccuracies, negotiating with creditors, or building positive credit habits, improving your credit score can open up access to better financial products and lower interest rates.
While DIY credit repair is possible, for some individuals, seeking professional help from a reputable credit repair service can provide guidance and expertise in navigating the complexities of credit reports and financial recovery. By taking the necessary steps to repair your credit, you can set yourself on the path to a healthier financial future.