Question by : I have a poor credit rating and need answers?
Hi,
I have a poor credit rating and have been declined a loan. I think that this is because I have debt collectors after me for about £500.00 worth of unpaid phone bills and other random items I didn't pay for when I went travelling. I also have a £2000 c/card at max limit.
What is the best way to get a good credit rating?
If I offer to pay back the £500.00 in monthly installments, would my credit rating improve straight away
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