New Service to remove CCJ Defaults and Missed payments from your Credit File
Finance application rejected?
You’re not alone. More than one in two (57%) adults are at risk of being declined credit by mainstream lenders because of a poor credit score and this prevents them getting a loan they deserve for a car, house or their business.
Every day I receive phone calls from applicants who have had past credit issues and are unable to get a mortgage. On occasions these applicants have been badly treated by the various companies who have marked their credit profile wrongly with defaults, CCJs, and missed payments.
Due to the sheer amount of demand from our client banks we have looked at partnering with firms who help consumers address such issues.
I am pleased to announce that we have now teamed up with a Credit Report Company who offer a credit repair and advocacy service to consumers and companies. They specialise in removing negative credit listings (defaults, CCJ’s and late payment histories) from credit reports and verifying that a credit report is correct.
There are consumer laws that govern credit reporting in the UK. If a listing on a credit report has been placed incorrectly it must be erased, thus improving your credit score and loan prospects.
They use their understanding and experience of the consumer laws to verify that all the correct procedures have been followed when a listing was placed on your credit report.
They can clean your credit report which can make a big difference to the type of loan available to you and the amount of interest you will pay.
I would just like to make it clear that Niche Advice does not offer this service directly itself, but we are able initiate the introduction by passing on your details to our associates.
For this we require an email from you to firstname.lastname@example.org stating the facts as you see them and outlining your grievance. The email will need to include your full name(s) and contact details.
Author: Payam Azadi
Payam Azadi is a partner at Niche Advice who are whole of the market Independent Finance Brokers In London. His role is very much focused on Property financing both on residential and commercial lines.