Adverse Credit Mortgage Remortgage UK

Repairing your adverse credit file

The first step to repairing your credit file is to find out about it. How do I get my credit report?

The best way to do this is to contact one of the two main credit bureaus and ask them to send you your credit report. The two credit bureaus are:

Experian Consumer Help Service
Tel: 0115 976 4050
www.uk.experian.com

Equifax Plc
Credit Advice Centre
Tel: 08705 143700
www.equifax.co.uk

There are many things that look bad on your credit report. Lenders assess information differently. Some common examples are: multiple searches, late payments, defaults (paid/unpaid), CCJ's, bankruptcies and repossession orders.

When you have had a look through assess how bad it is and prioritise payments that are currently in arrears. Get payments back in line and keep a track of your file through the credit bureaus to ensure that everything is being paid on time.

If you have equity in your house, and crippling debts, it may be worth looking at remortgaging to consolidate your debts into a low interest rate monthly payment- your mortgage payments.

Easy mortgage and remortgage search tool

Adverse credit mortgages and other specialist mortgages cannot normally be found on the high street. We have set up this easy search tool to help you find the brokers and lenders that can help you attain the finance you need for your home.

Fill out the form and submit to receive a fast quote from one of our qualified partner mortgage brokers. It is fast and simple to do!