[John Smith]

Credit repair is a process you can carry out yourself, and sometimes the steps you can take are simple, many people find credit repair a difficult and daunting procedure. Ask the credit reference agency for advice and guidance and make sure you are happy.

The credit reference agency will advise you how to remove an entry, but entries that are properly there can't be removed, you may however be able to reduce their adverse effect. If a default is properly registered and you owe the money, you will probably have to start to make some payment towards it if anything is going to be done to repair the entry.

The credit reference agency will explain the position with a notice of correction on the file. But if you can't even make payments towards debts you accept you owe then you probably should wait untill you can. The credit reference agencies will give free advice about your credit file.