A bad history can be tackled with a little careful planning. Bankruptcy details remain on people's ratings for up to six years, although it should take a year of good credit practice to return a rating to health. Been turned down for credit?Find out your credit profile using an authentic equifax credit 'scorecard' exclusive to moneysupermarket. Com. Find the best personal or secured loan if you have bad credit. In fact. Knowing your credit rating could save you money!

If a lender refuses you credit, it must say why. For full details, see our page on bad credit. Dont forget to make sure the credit cards billing address matches the address youre registered to vote at, as any anomalies will look bad on your credit file.