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A bad credit rating can limit your borrowing options. County Court Judgments (CCJs), defaulted payments and bankruptcy orders leave a black mark against your name when trying to secure credit.
Meanwhile, if you miss credit card payments, direct debits for energy bills, or other commitments, you could find a mark placed against your name that will cause you problems.
The first sign can often be when you apply for credit and get turned down. This then leaves footprint on your file and if you collect a lot of these it could make matters worse.
Usually, the only means of credit available to borrowers with poor credit ratings is through what is known as the sub-prime market, where would-be borrowers are charged high rates of interest to reflect the perceived risk to the lender. Currently borrowing in this market is severely limited.
