Responsible Debt Help

Helping You Repair Your Bad Credit

Do you know the contents of your credit report? Do you understand how your credit history determines your eligibility for loans, credit cards, and rental housing? More importantly, do you understand how your credit history determines the interest you pay on new credit agreements?

Credit bureaus collect data from all of your creditors. They frequently have detailed records of your entire employment, residence, marital, and credit histories from the moment you came of age. In their databases, the credit bureaus store information about your bank accounts, major credit cards, landlords, HM Inland Revenue, and retailers’ credit accounts. The databases note late payments and delinquencies, defaults and bankruptcies, CCJ’s and repossession orders. Credit bureaus share this information with lenders, who use it to assess your credit-worthiness.

 

How do we help you?

We will help you analyse and update your credit report, improving your eligibility for new accounts, and often reducing the interest you pay on your current accounts. To begin the process, we require only your full name, date of birth, current address and other addresses to cover the last six years; naturally, we also need your signature.

All of our debt advice is given responsibly, taking a look at the all the personal circumstances involved making sure any advice is tailored to your exact needs.

In the current economy, 25% of us have histories of financial difficulties. Responsible, hardworking families have suffered as prices have risen while wages have remained flat and jobs have grown scarce. When families’ obligations threaten to overwhelm them, they frequently consider loans secured by their homes. For most people, however, taking a home equity loan to pay-off unsecured debts puts their homes too much at-risk. Right now, many lenders are willing to extend credit to struggling families, and we can work with you to arrange a loan regardless of your credit history.

Our ethical, honest experts will analyse your situation, outline your options, and give impartial counsel on your choices. If we agree an unsecured loan works in your best interest, we will help you arrange it. We can help you find a car loan, a loan for a major purchase, or financing for a wedding or other family event.

If the equity in your home genuinely will help you resolve your financial problems, we can help you secure a remortgage or mortgage. Unlike other agents or brokers, we charge no arrangement fees for assisting you with your mortgage or remortgage.

Working with many different lenders, we can arrange loans when many of our competitors cannot; we enjoy especially good relationships with lenders who specialize in loans to people who have been denied elsewhere.