So you have bad credit, millions do, and more importantly millions did.  Yes million of people have taken the steps necessary to improve their credit history, and credit ratings.

Before you start to improve your credit rating, it’s critical to find out why your credit is in the state that it is. If you don’t know why your credit is poor, then you must ask to see your credit reference file to find out.  At the UK Credit Card Centre we can help you in your quest to understand your credit score (Visit our Credit Help page). 

Once you have a good understanding why your credit score is poor, or bad, there are a number of simple steps you can… Read More..

The recent global economic downturn can be blamed to the credit crunch. According to research, there is almost one trillion dollars worth of revolving debt in the US alone. Individuals, groups, businesses and almost every sector of society have debt. But who’s really to blame? Is it the government, lenders and banks, or people themselves?Credit ProvidersThe first ones that usually get blamed for the staggering debt are financial institutions. These include banks, credit card providers and lending companies. It all starts with the bait. These groups offer interesting introductory offers which are seemingly too great of a deal to refuse. And what do people do? Snag them like sugary sweet cupcakes only to regret the calories later.Sad but true. These financial groups know where to push the buttons. They know… Read More..