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Don't sign documents without reading them. As soon as possible, before you close the deal, review the documents you'll be signing, and make sure you understand them, so you won't have to sign them in a hurry.
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Improve your credit-rating.
Find out what it is at Equifax, Experian and Trans Union. Lenders may access them all. Then do the following:
Make sure you are on the electoral register.
Satisfy liens and public judgements, such as in the County Court (CCJs).
Correct errors, including erasing judgements older than seven years. Paid-off debts can be legitimately recorded up to seven years after settlement.
Add information showing stability:
- Current employment, employer's name and address and your job title.
- Previous employment, if you've had your current job less than two years.
- Current residence, and if you own it.
- Previous residence if you've been at your current place under two years.
- Date of birth.
Avoid unnecesssary enquiries or shopping around for credit or loans. Multiple accesses by lenders of your credit report can indicate that you need many lines of credit. This looks like you are desperate for money, or trying to commit fraud.
Close unneeded accounts. Close them off slowly, not all at once. Keep only two credit cards.
Pay off credit cards. Keep balances low, and paid off on time.
Keep your debt low; below 75% of available credit.
Build a good payment history. Pay your bills on time!
Open a savings account at your bank.
Avoid debt-restructing or loan-consolidation companies. These can get you into more trouble. Negotiate yourself with your creditors, and get any agreements in writing!
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