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What do credit repair companies do?

Callcredit do not endorse the activities of credit repair companies. Credit repair companies claim that they can help you remove derogatory information such as County Court Judgments and defaults from your credit file. Credit reference agencies will only amend or delete information from their files when instructed to do so by the institution who provided it. For instance, CCJs cannot be satisfied without a certificate of satisfaction issued by the county court. Before paying a credit repair company any money, please seek advice from your local Citizen's Advice Bureau.

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What should I do if I can’t pay my debts?

You should contact the lender concerned and explain your circumstances to them. You could also seek advice from one of the Debt/Money advice organisations. Please see our Useful Contacts section for contact details.

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