How do i obtain a copy of my credit report? I have tried before but they asked me for information about my credit cards that i have and exact amount of debt. What if i dont know this?

Ok but how do you access your UK credit report? Its not that easy as they ask questions name your credit card companies and how much did you owe? If you have been outside the Uk for 5-6 years, not easy to remember. Is there an easy way to get a copy of your credit report in the UK?

How do you find out if you have CCJ's or not ?

Problem is that i cant get a job cuz employers do a credit check and see how bad my credit is. Seems i am in a catch 22 - i need a job but to get a job i need to do something about my credit.

I owe 30-35K from 6-7 creditors and i have returned to uk. i have some assets maybe 5-6K and i am unemployed but i do have potential now to get employment in UK making in excess of 30K per year. I am interested in pursuing an IVA - how do i start the process?