Post Code of Credit Repair in Northern Ireland Uk

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1. The Flat Pack Guy NI

   City/Town: Antrim

   Postal Code: BT41 1SB

   Street Address: 22 Greenvale Manor

   Country: UK

 

2. Mid Ulster Motorcycles Ltd

   City/Town: Magherafelt

   Postal Code: BT45 6RZ

   Street Address: Unit 7 Milltown Business Park, 88 Castledawson Rd

   Country: UK

 

3. A1 Domestic Appliance Repairs

   City/Town: Enniskillen

   Postal Code: BT94 5HJ

   Street Address: 37 Bunnahesco Rd

   Country: UK

 

4. H&H Recovery

   City/Town: Crumlin

   Postal Code: BT29 4SX

   Street Address: 3 Long Rig Rd

   Country: UK

 

5. Quantum Automotive NI

   City/Town: Ballyclare

   Postal Code: BT39 9PB

   Street Address: 28a Ballylinney Rd

   Country: UK

 

6. Nelson Auto Specialists

   City/Town: Belfast

   Postal Code: BT5 4GX

   Street Address: Unit 18, East Belfast Enterprise Park

   Country: UK

 

7. Complete Gas Services

   City/Town: Belfast & Lisburn areas

   Postal Code: Not specified

   Street Address: No specific address listed

   Country: UK

 

8. A1 Tyres

   City/Town: Lisburn

   Postal Code: BT27 5EA

   Street Address: Unit 1, Riverside Commercial Centre

   Country: UK

 

9. The Deventase Enterprise

   City/Town: Craigavon

   Postal Code: BT67 0QF

   Street Address: 1 Deramore Park

   Country: UK

 

10. Rock Motor Works

    City/Town: Larne

    Postal Code: BT40 3JS

    Street Address: 9 Browndod Rd

    Country: UK

 

11. Bath Doctor

    City/Town: Omagh

    Postal Code: BT78 1PY

    Street Address: 28 Tattyreagh Rd

    Country: UK

 

12. BM Motors

    City/Town: Newtownards

    Postal Code: BT23 4BX

    Street Address: Unit 1d Glenford Way

    Country: UK

 

13. McConville Recovery Specialists

    City/Town: Dungannon

    Postal Code: BT71 5BH

    Street Address: 31 Kilmascally Rd

    Country: UK

 

14. The Boiler Man

    City/Town: Antrim

    Postal Code: BT41 4SW

    Street Address: 40 Seven Mile Straight

    Country: UK

 

15. Just Heat NI

    City/Town: Bangor

    Postal Code: BT20 5ES

    Street Address: 31 Victoria Drive

    Country: UK

 

16. Ballymena Lawnmower Centre

    City/Town: Ballymena

    Postal Code: BT43 5LD

    Street Address: 90 Carniny Rd

    Country: UK

 

17. City Glass N.I

    City/Town: Belfast

    Postal Code: Not specified

    Street Address: No postal code given

    Country: UK

 

18. Stewart McElheran Co

    City/Town: Ballymena

    Postal Code: BT43 5QS

    Street Address: 131 Ballymena Rd

    Country: UK

 

19. JT Plumbing, Heating & Property Services

    City/Town: Newtownards

    Postal Code: BT23 7QB

    Street Address: 11 Drumhirk Avenue

    Country: UK

 

20. S G Blinds

    City/Town: Newtownabbey

    Postal Code: BT36 7LS

    Street Address: Unit D16, 67 Valley Business Centre

    Country: UK

 

21. Belfast Plumbing Services

   City/Town: Holywood

   Postal Code: BT18 0HZ

   Street Address: 3 Seapark Mews

   Country: UK

 

22. Alpine Property Services

   City/Town: Bangor

   Postal Code: BT20 3LW

   Street Address: 49 Silverstream Drive

   Country: UK

 

23. Ambrose MC Sparron and Sons

   City/Town: Ballymena

   Postal Code: BT44 0EU

   Street Address: Cairnglen House, 30 Harbour Rd

   Country: UK

 

24. Tiltador Garage & Industrial Door Manufacturer

   City/Town: Newtownards

   Postal Code: BT23 4YH

   Street Address: Jubilee Rd

   Country: UK

 

25. Diamond Tyres

   City/Town: Cookstown

   Postal Code: BT80 9XT

   Street Address: 85 Mullan Rd

   Country: UK

 

26. Craigavon Removals

   City/Town: Craigavon

   Postal Code: BT65 5HF

   Street Address: 17 Moyraverty Meadows

   Country: UK

 

27. Hagan Flooring

   City/Town: Magherafelt

   Postal Code: BT45 6BP

   Street Address: 33 Ballyronan Rd

   Country: UK

 

28. DPC Joinery

   City/Town: Annalong, Newry

   Postal Code: BT34 4HB

   Street Address: 21 Glebe Rd

   Country: UK

 

29. Clarke Decor

   City/Town: Magherafelt

   Postal Code: BT45 6EN

   Street Address: 46 Ballyronan Rd

   Country: UK

 

30. Amber Cars

   City/Town: Ballymena

   Postal Code: BT43 6AR

   Street Address: 2 Greenvale St

   Country: UK

 

31. KD Gas Services

   City/Town: Belfast

   Postal Code: BT8 6RW

   Street Address: 8 Cairnshill Ave

   Country: UK

 

32. Deli-Lites Ltd

   City/Town: Newry

   Postal Code: BT35 6QH

   Street Address: Unit 4, Carnbane Industrial Estate

   Country: UK

 

33. The Wood Floor Co

   City/Town: Lisburn

   Postal Code: BT27 5QB

   Street Address: 2 Altona Rd

   Country: UK

 

34. Abbey Upholstery

   City/Town: Bangor

   Postal Code: BT20 5EY

   Street Address: 10 Seacliff Rd

   Country: UK

 

35. S & J Motors

   City/Town: Newry

   Postal Code: BT35 8AP

   Street Address: 9A Drumalane Rd

   Country: UK

 

36. Ballymena Tyre Centre

   City/Town: Ballymena

   Postal Code: BT43 5BS

   Street Address: 55 Ballymoney Rd

   Country: UK

 

37. Ferguson Gas Works

   City/Town: Belfast

   Postal Code: BT14 6QS

   Street Address: 18 Ballysillan Park

   Country: UK

 

38. Bann Hire & Sales

   City/Town: Coleraine

   Postal Code: BT52 2JB

   Street Address: 15 Newmills Rd

   Country: UK

 

39. Haldane Fisher

   City/Town: Ballymena

   Postal Code: BT43 6LQ

   Street Address: 15 Crankill Rd

   Country: UK

 

40. Ballyclare Gas Services

   City/Town: Ballyclare

   Postal Code: BT39 9AA

   Street Address: 88 Main St

   Country: UK

 

41. Phil’s Garage Doors

   City/Town: Newtownabbey

   Postal Code: BT36 4PP

   Street Address: Unit 7, 19 Mallusk Rd

   Country: UK

 

42. Wilson’s Furniture

   City/Town: Magherafelt

   Postal Code: BT45 5DJ

   Street Address: 12 Queens Ave

   Country: UK

 

43. Auto Supplies Ballymena

   City/Town: Ballymena

   Postal Code: BT43 6HB

   Street Address: 130 Cushendall Rd

   Country: UK

 

44. Perfect Fit NI

   City/Town: Belfast

   Postal Code: BT5 5FB

   Street Address: Unit 2, Castlereagh Business Park

   Country: UK

 

45. The Kitchen Centre

   City/Town: Omagh

   Postal Code: BT78 1BD

   Street Address: 48 High St

   Country: UK

 

46. The Appliance Centre

   City/Town: Bangor

   Postal Code: BT20 5BD

   Street Address: 91 High St

   Country: UK

 

47. Morton Plumbing

   City/Town: Bangor

   Postal Code: BT20 4TN

   Street Address: 7 Gransha Rd

   Country: UK

 

48. Sprucefield Kitchens

   City/Town: Lisburn

   Postal Code: BT27 5QB

   Street Address: Unit 10, Altona Industrial Estate

   Country: UK

 

49. McKinney Timber

   City/Town: Ballymena

   Postal Code: BT43 6PX

   Street Address: 15 Ballymena Business Centre

   Country: UK

 

50. Belfast Lawn Care

   City/Town: Belfast

   Postal Code: BT17 0RL

   Street Address: 30 Summerhill Park

   Country: UK

 

Credit repair is an essential service for individuals facing challenges in maintaining a healthy credit score or improving a poor credit history. In Northern Ireland, as in other parts of the UK, credit repair services are designed to help individuals and businesses address issues with their credit reports, improve their creditworthiness, and ultimately secure better financial opportunities. Whether it’s securing a mortgage, loan, or simply improving financial flexibility, understanding the process of credit repair and the services available can help individuals navigate their way to financial recovery.

1. What is Credit Repair?

Credit repair is the process of improving an individual’s or business’s credit score by identifying and addressing negative factors in their credit report. It involves correcting errors, disputing inaccuracies, and taking steps to rebuild creditworthiness. A poor credit score can result from various factors such as late payments, defaults, bankruptcies, or other financial mistakes, which can limit access to essential financial products like loans and mortgages.

In the UK, credit repair involves working with credit reference agencies and creditors to ensure that the credit report accurately reflects an individual’s or business’s financial history. Credit repair companies or services may help individuals dispute inaccuracies on their credit reports, negotiate with creditors to remove negative marks, and offer advice on how to manage finances more effectively to rebuild credit.

2. How Does Credit Repair Work in Northern Ireland?

Credit repair services in Northern Ireland follow the same principles as in the rest of the UK, given that credit reporting and regulations are standardized across the UK. The key steps involved in credit repair include:

a) Checking the Credit Report

The first step in credit repair is to obtain a copy of the credit report from the three main credit reference agencies in the UK: Experian, Equifax, and TransUnion. It is crucial to check these reports for any errors, inaccuracies, or fraudulent activity. Many people are unaware of mistakes on their credit reports, such as incorrect personal information or wrongly reported late payments. If errors are found, they can be disputed with the relevant credit reference agency.

b) Disputing Errors

Credit repair companies in Northern Ireland can help individuals dispute inaccuracies on their credit reports. For example, a credit card payment may have been reported as late when it was actually made on time, or a debt may have been marked as outstanding despite it being settled. Disputing these errors typically involves contacting the credit reference agencies and providing supporting evidence to prove the inaccuracy. In some cases, individuals may also need to contact creditors directly to resolve the issue.

c) Negotiating with Creditors

If an individual has defaulted on a loan or missed several payments, a credit repair service can assist in negotiating with creditors to remove or reduce negative marks from their credit report. In some cases, creditors may be willing to remove defaults or late payment marks as a goodwill gesture, especially if the individual can show they’ve since improved their financial situation.

d) Debt Management and Settlement

For individuals who have outstanding debts, credit repair services may offer debt management advice. This might include setting up a repayment plan with creditors, consolidating multiple debts into one manageable payment, or negotiating reduced settlements. Debt settlement helps reduce the amount of money owed, which can improve an individual’s credit score over time.

e) Credit Rebuilding Advice

Once errors are corrected and negative marks are dealt with, the next step is to rebuild credit. Credit repair firms in Northern Ireland can offer advice on how to do this, such as:

  • Paying bills on time: Timely payment of bills is crucial for improving credit scores.
  • Reducing outstanding debt: Paying down credit card balances and loans can help reduce debt-to-income ratios.
  • Using credit responsibly: Making small purchases and paying them off in full each month can demonstrate responsible credit usage.

f) Monitoring Progress

Many credit repair services in Northern Ireland offer ongoing monitoring of credit reports to ensure that improvements are sustained. They may also alert clients to any changes in their credit report, such as the addition of new negative marks or the resolution of disputes.

3. Credit Repair Services in Northern Ireland

Several credit repair companies and services in Northern Ireland specialize in helping individuals improve their credit scores. These services are tailored to meet the unique needs of residents in Northern Ireland, providing local expertise and understanding of regional financial practices. Some of the most common credit repair services include:

a) Credit Repair Agencies

Credit repair agencies are firms that specialize in improving credit scores and financial health. These agencies typically offer a comprehensive service, including obtaining credit reports, disputing errors, negotiating with creditors, and offering debt management advice. They often charge fees for their services, either as a one-time fee or as an ongoing subscription. When choosing a credit repair agency in Northern Ireland, it is important to research the company’s reputation, success rate, and fees.

b) Debt Management and Consolidation Services

Debt management services can help individuals create a budget and debt repayment plan that is more manageable. Debt consolidation involves combining multiple debts into one loan or payment plan, often with a lower interest rate. Many credit repair services in Northern Ireland offer debt consolidation options to help clients reduce financial pressure and improve credit over time.

c) Free Credit Repair Resources

For individuals who prefer to handle credit repair independently, there are free resources available to help guide them through the process. The UK government, for example, provides information on how to check credit reports, dispute errors, and understand credit scores. Non-profit organizations, such as StepChange Debt Charity and Citizens Advice, also offer free advice on managing debt and improving credit scores.

d) Credit Monitoring Services

Some credit repair services offer credit monitoring, which allows individuals to track their credit progress over time. This service alerts users to changes in their credit report and can help detect fraudulent activity early. Credit monitoring can be an essential tool for individuals who have already started the credit repair process, as it helps them stay on top of any new developments and make timely corrections.

4. The Cost of Credit Repair Services

The cost of credit repair services in Northern Ireland varies depending on the complexity of the situation and the type of service provided. Some credit repair agencies charge a one-time fee, while others offer ongoing subscription models. Typical fees range from £30 to £100 per month for ongoing services. It is important to be cautious when selecting a credit repair company, as some firms may charge upfront fees or make unrealistic promises about improving credit scores. Always check for transparency in fees and services before committing.

5. Legal Considerations in Credit Repair

While credit repair services are legal in Northern Ireland, it is important to be aware of potential scams. Fraudulent companies may promise to erase bad credit or charge for services that they do not provide. Consumers should only work with reputable companies and be cautious of firms that require large upfront payments or make unrealistic claims.

The Financial Conduct Authority (FCA) regulates financial services in the UK, including credit repair and debt management companies. It is advisable to check whether the credit repair company is registered with the FCA or another relevant regulatory body. Additionally, any service that claims to be able to “erase” negative marks from credit reports should be approached with caution, as this is not always possible or ethical.

Conclusion

Credit repair in Northern Ireland plays a crucial role in helping individuals regain financial stability, particularly for those who have experienced setbacks like late payments, defaults, or bankruptcies. With a range of services available, from credit monitoring and debt consolidation to professional dispute resolution, individuals can take steps to improve their creditworthiness and ultimately achieve their financial goals. Whether handled independently or with the assistance of a credit repair agency, the key to successful credit repair is a commitment to responsible financial habits and a clear strategy for rebuilding credit over time.