Poor Credit History

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What is a Debt Consolidation Loan?: A consolidation loan offers the opportunity to put all your outstanding balances together into one block. This can include credit cards, personal loans and sometimes your mortgage.
What if I already have a mortgage or loan secured on my home?: It is possible (indeed common) to have more than one mortgage or loan on your property, as long as there is sufficient free equity in the property to secure the loan.
How can I improve my credit rating?: If you are having trouble getting credit, there are a number of measures you can take to safeguard your credit rating. Here we have listed some helpful hints here to keep you in credit:
What happens if I am suddenly injured or taken ill?: To protect your loan repayments in case you are unable to work due to accident or illness, you will have to take out either personal loan or short-term income protection insurance.
Can I cancel my loan application if I decide not to go ahead for any reason?: If you decide you want to cancel your loan application once you have made it, you can do so within a certain period of time set by the loan company.

If you have a poor credit history then it is often described in official terms as 'adverse credit'. To obtain a poor credit history you will have built up mortgage arrears, paid late on credit cards, or been issued with County Court Judgements (CCJ's) - any of which could damage your chances of getting future credit. But all hope is not lost! You can still request a loan quotation through this website, because we have access to plenty of lenders that will offer loans to those with CCJ's, defaults, arrears and missed payments. Request a loan quotation now to be contacted by a loans adviser with a range of competitive quotes.