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What is bad credit?
When lenders and finance houses refer to "bad credit" they generally mean adverse information has been entered on your credit files. These files are maintained and administered by the uk credit reference agencies (Experian and Equifax ).
Individuals can request a copy of their file by post directly from these companies at a cost of £2.00, alternatively you can view a copy online by clicking here
Typical adverse information would include: -
Defaults ( failing to make payments according to contract)
County court judgements (ccj's)
Late payments or arrears on existing/past financial commitments
Bankruptcy past or present
Repossessions
I.V.A. arrangements with creditors
CIFAS entries (fraud)
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Main page for poor or bad credit history mortgages
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