Ever since the credit crunch took a hold of the UK economy the lenders have re thought their score cards, and as a result of this more and more people are falling into the category of having an imperfect credit score. This invariably makes it more difficult to arrange loans or finance of any kind, but not impossible.
What is it that defines bad credit?
There are a number of reasons why you could be deemed as having a bad credit record, with some factors contributing more than others. I have listed them below with the ones that have more of an impact on your credit score at the top of the list;
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