We are now closed for the Christmas and New Year period, returning on Monday 5th January 2026. Orders placed during this time will be processed upon our return on 5th January.
Refused credit? Bad credit? We nearly all rely on credit, whether it be with the bank, mortgage lender or credit card company. This guide explains just how credit agencies work, what goes on to your credit file and what legitimate action you can take to improve it. It divulges lenders' decision-making processes and blows the lid off ""credit repair"" and credit ""blacklists"".
