i was wondering if someone can help me? my credit rating is crap and i cant get credit on anything due to an old debt that i ran up due to being young and stupid i cant even get a full acount with an overdraft at my bank, credit card, loan or anything is there anyway of clearing my name so i can build my credit rating back up thanks!

You can actually add comments to your file,
i'm not sure how, but you can add lost your job
or got pregnant or such.

Its a complete pain in the backside clearing your file.
Many moons ago, a friend paid £60 to a firm and the
credit rating was improved, but not sure if it was that
or the time had elapsed on the bad debt.

Get a copy of your file for £2 from Experian

i think its a .co.uk site.

Hope that helps as there may be stuff on there your
not event aware of?

i did do the free trial with experian and i found out what it was but am unsure what to do to do something about it its getting annoying now ill go on to experian again and see if they can help cheers