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If you are deemed by credit card issuers as a bad risk and are struggling to get a credit card then your credit rating (assuming that you have checked that there is nothing untoward going on), needs to be improved the good old fashioned way, effectively, you need to earn that trust back.
The only way to repair your credit rating once it is tarnished (by things like late payments or defaulted payments) is to start paying all of your bills on time and borrowing small manageable amounts that you can pay back reliably. You should be very wary of so-called 'credit repair'firms as they have no authority to amend your credit report.
You may even be forced to play the game a little and (providing you can be totally sensible about this and not get carried away) take out a high interest card that is not too difficult to get approved for and just make sure that you make those payments on time, every month for say, 6months. If done properly, this will get you back on track with regard to your credit rating and your perceived reliability.
Our trained expert advisers have access to the UK’s leading lenders and using their knowledge and skills will place you with the most suitable leader and product for your needs.
So Smart Money are specialists when it comes to mortgage and insurance. We have access to the UK’s leading brokers and using their knowledge and skills they'll place you with the most suitable lender and product for your needs.
Speak to an expert for mortgage advice, life insurance cover, to protect your income, insurance your home or contents and private medical cover.
"Matthew at So Smart found me the best deal for my first Mortgage, he was extremely helpful! I would highly recommend this company!"
"I've been looking to switch mortgages recently to secure a better rate and the guys at So Smart Money helped me do just that."
"My mortgage enquiry was dealt with swiftly and professionally. I would highly recommend So Smart Money to others."
"I've used sosmartmoney a couple of times now, I checked my old mortgage with them and it encouraged me to get a better deal."
Winner of AI Finance awards 2015 for:
Best personal finance comparison site &
Best online price comparison platform