Bad Credit Loans are for those who have a poor Credit Score. You can check your credit score for a small fee by contacting relevant credit reference agancies.

In the Uk two of the biggest of these agancies are:: Experian and Equifax.

You can contact these companies below

• Paying bills late or not at all
• Defaulting on loan repayments

When you use services of a company and become liable to a fee you must ensure you deal with the bill responsibly. Bills can cause problems if they remain unpaid. If you have a dispute regarding a bill that you cannot resolve you should ensure that you do not give up and ignore payment demands. This is of particular interest to household bills. Utility companies may report that bills remain unpaid. The most common type of bill that causes problems is the credit card bill. Some people have so many credit cards that they lose track of them all and it is easy to miss one repayment demand. You should ensure this is not done.

If you have a loan, either unsecured or secured; or a mortgage,. you should ensure that you make all repayments on time. Defaults can be recorded on your record and if you apply for credit at a later date with defaults on your record then lenders will see red warning signs. Even if you do get accepted for more credit it may be at a higher interest rate than need be due to the unessasary "bad points" on your credit file.

Some things are put on your credit file that are not your fault and you should ensure you check that you are not affected by these. Some of these things include:

• Credit card fraud
• Incorrect unpaid bills

Credit card fraud in on the up in every contry that has credit cards. People are increasingly stealing identities of individuals and apply for credit cards in thier name. This is also done for other credit items including personal loans. There are companies that will track your credit file and alert you when new credit is applied for. However you may want to keep a regular check yourself if you don't wish to sign up for one of these products.

Some companies report bills as unpaid when they actually have been paid. This can be due to a simple mistake. Many large companies and credit card companies operate almost completly on computers and one small typing error may cause a bill to be seen as unpaid. This could be recorded on your file but you should be able to sort this out with the company in question.