Checking and repairing bad credit..
 

Over the years I have been very badly organsised and obtained some rather shady credit.

Cant get credit cards etc etc.

Now I have paid off all outstanding things that I know of, parking fines etc. I have just done an online order for my credit file through Expirian, how hard are these to understand when they arrive?

What are these companies like who offer to repair credit?

They are fairly easy to understand, and if there are mistakes shown in the report then you can correct them yourself. You dont need the credit repair agencies, all they do is write as you would to the credit reference agencies and charge you for the privilege.

The strangest thing is, now you have no debt you are deemed more of a risk now because you have no credit.