Bad Credit Advice

Refused Credit?

Most of us have been in the situation where we have been refused credit, but more often than not we don’t really know the reason for this! There are a number of simple reasons for this including being in arrears (debt) with creditors i.e. missed payments and previous CCJ’s (County Court Judgements). If your credit application has been declined the lender is able to provide an explanation for this.

If I miss monthly payments?

Missing monthly payments or falling into debt will obviously affect your credit history which in turn affects your ability to obtain further credit. This information is held by the Credit Reference Agencies and can be seen by the creditors that you contact.

Get Back in Control

At Clark Richards we are provide many different solutions to help people gain control of their finances. We offer expert advice and the right debt solution for you regardless of your situation or any adverse credit you have.

Qualified Debt Advisors

Our qualified Debt Advisors will take full details of your financial situation, assessing the credit information provided and a recommendation is based on this. We are able to offer a substantial range of debt solutions therefore you can be sure we have the right one for you. These include;

• Debt Management Programme

• Individual Voluntary Arrangements

• Trust Deeds for Scottish residents

• Bankruptcy

• Repossession advise

• Free Debt Advise Helpline