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22-Jun-2017 13:23

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Bankruptcy details remain on people's ratings for up to six years, but for most minor problems it should take a year of good credit habits to return a rating to health.

The decision to turn borrowers down for credit isn't made by Experian or Equifax but by the lenders, based on their own criteria.If you are forced to miss a payment, make sure you tell the creditor and make the payment the following month. You should obtain your credit history from a credit reference agency and make sure everything is correct and up to date.



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