i have a bad credit history and have been on benifits for 10 years. How do i start to improve my rating?

Public Comments

1. You can repair your score by paying off any debts you currently have. Many credit collectors will make offers to settle your debt with sums of money that decrease over time. They would rather get something than nothing. Many of them are willing to work with you on payment plans that are geared towards your financial status. The other option, is to have a friend or family member with good credit co-sign with you for a credit card, use it within reason, and then pay off the debt. This will improve your score as well.
2. Is there a Citizens Advice Bureau near you? They can give you help and advice on that. One good way is to stop using credit cards, freeze all your unnecessary expenses, start afresh with a new bank current account and gradually begin paying back debts. I know times are tough for employment but is there any job at all you can get your hands on? You may lose some benefits but you may gain some others and a salary is always better than any amount of income support.
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