You might find this quick video I made about cleaning up your credit record useful:
Noddle and Clearscore are also free credit agencies to consider using:
Best of luck for a debt free future!
Firstly I applied for a Luma credit card which was accepted with £1500 credit limit. Ive used it each month spending about £25 and paying off in full so no interest. Then i got a new mobile phone contract. 8 months later i changed my mortgage to a high street bank with a great rate. Since xmas ive also taken out a new car and purchased a new sofa from sofology. All with finance. Sounds like im raking up lots of credit but im not. My Iva monthly payment was £500. Ive taken on about £240 in credit since it ended. But ive also had a £400 per month pay rise by taking on a different role at work. Lifes really good and i still think the Iva was the best thing i ever did.
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