Credit Score Help That Works

If you have recently been turned down for a loan, credit card, mobile phone contract or any other type of credit facility, the most likely reason is that you have a poor credit score. Fortunately, there are a number of actions you can take to improve your credit score and if you are serious about fixing it, we recommend ordering The Credit Score Fix now.

What Is the Credit Score Fix?

The Credit Score Fix is a comprehensive workshop, packed with useful information and actionable tips that you can use to increase your credit score. Whether you have always had a low score or recent events have had a negative effect on your credit rating, you can use the suggestions in our workshop to remedy the problem and gain access to the credit facilities you need.

Do You Really Need Help with Your Credit Score?

Whether you need professional help with your credit score depends on how it is affecting your life right now. If it is preventing you from doing the things you want to do in your life, such as obtaining a mortgage to buy your first home or a personal loan to buy a new car, it makes sense to find out what you can do about it. Fixing your credit score could literally transform your life if you are currently facing these types of issues with your personal finances.

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How to Start Fixing Your Credit Score Right Now

Once you sign up and receive The Credit Score Fix workshop, you will be able to follow the suggestions and tips that it contains to improve your credit score. It really is as simple as that. We’ve done all the hard work for you with years of research and personal experience: all you need to do is implement our suggestions, then sit back and watch your credit score improve.

If you want to monitor your progress from the start and see how each action you take affects your score, the first thing you should do is find out exactly what your current score is. The easiest way to do this is to approach a credit reference agency (CRA). Below, we explain what a CRA is and how you can obtain your credit score for free when approaching them.

A CRA is an agency that collects and stores a variety of financial data relating to individuals and businesses, along with publicly available information such as details retrieved from the electoral roll. In the United Kingdom, there are 4 main CRAs, each of which has its own scoring system and range.

The most popular CRA in the UK is Experian so this is the one that we recommend approaching if you want to know what your current credit score is. The easiest way to do this without spending any money is to sign up for a 30-day free trial of their comprehensive credit monitoring service. Incidentally, if you decide to approach one of the other CRAs, such as TransUnion, Equifax or Crediva, you will find they offer similar free trials.

Once you have signed up for a free trial, which you can cancel at any time before you have to start paying for the service, you will be able to see a copy of your credit report. This report will contain all of the information that the CRA currently holds on you, as well as your all-important credit score. Although you will be most interested in your current score, we recommend that you check all the information in the report as well. This is because sometimes mistakes are made and erroneous data may be present on your report.

Experian credit scores range from 0-999, with 0 being the worst possible score and 999 the best possible score. The majority of people have a score somewhere between 300 and 850. Experian groups credit scores into 4 distinct categories:

  • 0-560 – Very Poor
  • 561-720 – Poor
  • 721-880 – Fair
  • 881-960 – Good
  • 961-999 – Excellent

If your current score is Excellent (i.e. 961 or higher), there’s nothing you really need to do at this point, except check that all the information in the report is accurate. If it is Good, then you may or may not want to improve it, depending on the type of credit you wish to apply for in the future. If it is anywhere from Very Poor to Fair, we suggest implementing the powerful tips and suggestions in the Credit Score Fix to start improving it immediately.

Before offering you any type of credit, such as a mortgage, a personal loan or a new mobile phone service contract, almost all companies will request a full credit report from a CRA, which, among other things, will include your current credit score. Each creditor in the UK sets their own threshold for what they consider to be an acceptable credit score and if your score falls below this threshold, they will probably decline your application. If you would like to make sure you are accepted for any credit that you apply for, you should take action to improve your score now.

Even if you are not planning to apply for a loan or credit card right now, it is a good idea to fix your credit score as soon as possible. While some of the actions suggested in The Credit Score Fix will improve your score quite quickly, other may take longer to have a real impact. With this in mind, the sooner you get started, the better your chances of being accepted for any credit applications you may make in the future.

In addition to improving your chances of being approved for loans, credit cards and other credit facilities in the future, a healthy credit score will also make it easier for you to obtain credit on better terms, i.e. lower rates of interest. While some lenders are willing to accept clients with poor credit scores, they will almost always charge a higher rate of interest when doing so, because they are taking more of a risk.

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Can I Improve My Credit Score Without Your Help?

While you can certainly make some improvements without our help, most people find they are able to make faster progress when taking advantage of the advice contained in The Credit Score Fix workshop that we offer. Among the actions you can take on your own, the following are well worth trying the below. All of these actions will help to improve your credit score and if you combine them with the advice in The Credit Score Fix, you should soon have a score of which you can be proud.

Making sure you are on the electoral roll

Paying off revolving credit facilities such as overdrafts and credit cards

Clearing all overdue payments as soon as possible

Reducing the number of credit applications you make within a short space of time

How Long Will It Take to See Noticeable Results?

The length of time it takes for you to see a real improvement in your credit score will depend on a number of factors, including your current score, the information contained in your credit report and the actions you take. While we can’t tell you exactly how long it will take, if you follow all of the advice, tips and suggestions in The Credit Score Fix, you should see faster results than would otherwise be possible.

What if The Credit Score Fix Doesn’t Work for Me?

If you follow all of our suggestions, we are sure you will see the improvement you are looking for. In fact, we are so sure that we can help you to improve your credit score, we’re happy to offer you a cast-iron guarantee: if you take the suggested actions and you do not see any improvement in your score, we will give you a full refund.

How Can I Make Sure My Score Remains High Once I Have Improved It?

After improving your score, the last thing you want is for it to fall again as this will make it hard for you to obtain the credit you need again. To avoid the possibility of this happening, you should:

  • Stay up to date with all of your payments
  • Keep the balance on revolving credit facilities as low as possible
  • Don’t close credit card accounts just because you are no longer using them
  • Limit the number of applications that you make for new credit facilities

You can also improve your chances of being approved for credit in the future by maintaining a stable employment record and not repeatedly changing your address.

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Get Started on Improving Your Credit Score Now!

Get The Credit Score Fix now and you can start taking the necessary steps to improve your credit score right away.