If you have adverse credit such as county court judgments, defaults or late payments on your credit files and are finding it difficult to obtain credit, then we can assist in clearing these harmful entries from your credit files.Adverse credit entries such as defaults, ccj's and late payments do not have to stay on your credit files for 6 years. Everyone has a legal right to challenge entries made on their credit files.

Removing defaults from Credit Files

Both Equifax & Experian state that defaults cannot be removed from credit files until 6 years have expired from the date of default. They have good reason to say this as the Banks, Finance companies, credit card companies, etc, pay them to keep information for them, so it is in their interests to keep their clients information on you for 6 years.

The real fact is that defaults CAN be removed before the 6 years are up. Everyone has a legal right to challenge entries on their credit files. With the huge amount of information that comes into companies on a daily basis they do not have the storage space to keep old copies of original agreements, documents, etc.

Therefore, they cannot prove that proper procedure was followed when issuing the default. We use proven methods to utilise this and get defaults removed from your credit files, forever.

Removing CCJ's from Credit Files

County court judgments are very detrimental to your credit score but can also be removed from your credit files. We prepare the necessary court documents for you to sign and send to the court. 7 -14 days later, the judgment is removed from your credit files.

Please read our document Brokers Update which goes into more detail about this.

Removing Late Payments From Credit Files

Many Banks, Finance companies, credit card companies, etc, do not have records of payment history. The information about your account is kept on a "Live System" with no archive storage.

Consequently, they cannot prove you were late with your monthly payment. These late payments can be revised back to zero's to reflect an up to date account history or the company will remove the entry completely.

Removing CIFAS Warnings From Credit Files

A CIFAS fraud warning placed on your credit file will make it almost impossible to obtain credit. Although companies state that the main aim of the entry is protect someone from potential fraud, if someone else is trying to use their ID - (Identity Theft) AND that lenders will take it into consideration when assessing a credit application we know that this is simply not the case.

CIFAS warnings stay on your credit file for 1 year, after which they are removed.

The majority of credit applications nowadays with the notable exception of Mortgages, are assessed using automated techniques and a system known as credit scoring.

As soon as the Automated Decisioning System flags or sees a CIFAS warning it outputs a decline with no exceptions.

However, there is a way to remove a CIFAS warning and we can assist you with this.

Credit File Clearance Service

Our credit file clearance service will remove all adverse entries on your credit files, - challenging incorrect entries, removing adverse and detrimental information so you have a perfect Equifax 475+ & Experian 750+ scores again.

Just send in your credit files to us and we 'll take care of the rest. We work under The Consumer Credit Act, 1974 and utilise proven 100% failsafe strategies to remove adverse information, inc defaults and county court judgments, slow payments. etc.

Removes - Defaults, County Court Judgments, late payment history, too many searches, out of date/Incorrect information, CIFAS warnings, other people on credit file with adverse credit

How long does it take? - The clearance process should take approximately between 6 – 8 weeks depending on the amount of adverse credit on your file. If you have good, positive credit history on your file then we do not touch these entries.

There are no other hidden fees or charges AND our service covers everyone who may appear on your credit file going back 6 years. You just send us the copies of your credit files from Equifax, Experian & Callcredit* - *(optional) who are a newer credit reference agency, established in 2001. We carry out all the work for you.

*If you have county court judgments on your file they will need to be removed by the courts. We keep all the necessary forms and you are required to just sign and date them. The current fee for removing a judgment by the County Courts is £65, which is payable to the court concerned.

The price for this service is £149 which is a one off payment. It covers every adverse credit item on your credit file and every person who may be on the file. There are no other hidden charges or costs involved in this service.

Credit File Clearance Process

Step 1 - You obtain copies of your credit files held by the major credit reference agencies and send them to us by post/fax or by email, if you have them in electronic format.

Details of where to get your credit files from can be found on our help page

Step 2 - We will act as your power of attorney and write 1st letters to the companies who have placed defaults, recorded late payments, recorded searches and ask them to furnish us with specific pieces of information, that, by law, they are obliged to keep.

With County Court Judgments, we will prepare the court forms and put together a case to put forward to the courts in order to have the Judgment removed.

We will then send you the forms for you to sign and date and then forward them on to the courts with the required fee.

Step 3 - You will receive replies from those companies and forward them to us for further action which usually involves us requesting removal of adverse entry as the company has not provided the required information as required under the Consumer Credit Act, 1974.

Step 4 - If the company refuses to remove the adverse entry, independent arbitration will be entered into, against that company, until entry is removed.

Step 5 - You obtain copies of your credit files held by the major credit reference agencies again, and can then see the adverse entries removed AND your credit score perfect, again.

If we cannot, successfully, remove ALL negative entries on your credit files then we will refund your fee in full as per our refund policy.