TAKING THE FIRST STEP
You’ve taken the first step – which is starting looking at who and what there is out there! Before you go any further, get prepared!
Work out what you owe:
- Who do you owe money to? Collect letters or statements from each company you owe money to.
- Unsure of what you owe or who you owe money to? Don’t panic – Sometimes debts get passed from one company on to an agency responsible for debt collecting, sometimes they stop writing or calling, could you have forgotten about debts along the line? It might be an idea to perform a credit search and make sure you know exactly what is owed to whom. See the table below for credit reference agencies, their services and associated costs.
- If you are confused by credit scores and credit rating and what it all means read this useful and easy to understand guide by the ICO by clicking here!
Credit Reference Agencies
Check your credit score for free with one of the below providers