Not sure if you have bad credit?

You might not know if you have bad credit or whether you file is attractive to banks. You can easily find out by using a credit expert to give you the details which other banks and financial lenders can see if they were to conduct a search on your file.

They use this search to see if you are a reliable person to lend money to, and if you are likely to pay it back. If they see you have CCJs on your file, mainstream banks are unlikely to consider you a trustworthy customer and might well reject any credit applications you send.

There is help, however, for those people who have been rejected due to bad credit.

There are bad credit bank accounts available which not only allow you to use an account much like a regular bank account, but it can help you to rebuild your credit history. You can also apply for bad credit homeowner loans, payday loans, or even bad credit mortgages.