Just to clarify : my report is currently "749-Fair" - I am going to continue paying £15 a month to experian for constant unlimited access to my credit file and look to really fix the score. The Financial Advisor I would want to look over this credit file and advise on next moves - easy fixes - quick wins etc....we have already done some groundwork - got a credit card to start building score - electoral roll - accounts now in order etc...

I'm hoping theres maybe items that I can get dropped off my report as some are 5/6/7 years old....so many "tales" out there about things should be off after 5/7 years etc so I'm really not sure what should be in this credit report and what shouldn't ??

Even if it's an online Advisor who I can email my report to and come back with 4/5 bullet points of where to focus...or contact / fix........happy to pay for this....

Hi idjmark,

I don't think many financial advisors are experienced in what you are looking for. The majority of financial advisors I know and deal with wouldn't know where to start with assisting someone with cleaning up their credit file.

I do know that TDA was speaking with a company who were prepared to offer this service to people just out of a Trust Deed and another forum user was undertaking the task themselves to give a comparison.

I'm sure TDA will advise of the company they were speaking with.

Hi idjmark.

There isn't currently much of a market for credit repair services in the UK - unlike in some other countries.

As David says, this isn't something that any normal financial adviser could usefully assist you with.

The firm David mentions is called Open Resolution based in Cardiff. You'll find them easily with an online search.

We've had a very positive meeting with them, and several Trust-Deed.co.uk members are trialling their service at the moment, but at this stage this isn't a service that we're explicitly recommending.

Dealing with credit reporting issues is something you can do for yourself without paying a fee, but if you're happy to pay a fee it might be worth visiting this firm's website and having a chat with them.

Hi idjmark,

If you haven't done so already it might be worth speaking with one of the advisors at Experian. They tend to be very knowledgeable around credit rating myths and should be able to clear these up for you as well as helping to advise you further on how to improve your credit rating.

Hope this helps.