There are lots of people who have in the past found it difficult to obtain credit due to their poor credit history. This can be due to the fact they may have struggled to pay their bills or missed some mortgage payments during hard times. They may now have a CCJ (County Court Judgement) against their name and now find it very difficult being able to sign up for any credit card deal or personal loan.

The credit card companies have realised this and have brought out that are available to people with poor or bad credit. These may not have all the bells and whistles like cash back or 0% balance transfers, however, they do offer the chance for you to build up your damaged credit rating and history to enable you to obtain credit more easily in the future.

For an up to date report on your credit standing please visit

Please visit this page for more information on credit reference agencies