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.