We will be closed from 5pm BST on Friday 28th August 2026 for the late summer bank holiday, re-opening at 8.30am BST on Tuesday 1st September. Any orders placed during this period will be processed when we re-open.

Refused credit? Bad credit? We nearly all rely on credit, whether it be with the bank, mortgage lender or credit card company. This guide explains just how credit agencies work, what goes on to your credit file and what legitimate action you can take to improve it. It divulges lenders' decision-making processes and blows the lid off ""credit repair"" and credit ""blacklists"".