Negative credit
Credit scores & reportsCredit history events that signal missed payments or higher risk.
Overview
Negative credit can include late payments, defaults, CCJs, or insolvency.
These entries can reduce your score and affect approvals.
Why it matters
- It can lower your score for years.
- It may limit access to mainstream products.
- It can increase borrowing costs.
FAQs
Can negative credit be removed?
Only if it is incorrect. Otherwise it remains for a reporting period.
How can I rebuild after negative credit?
Focus on consistent on-time payments and reduce utilisation.
Related terms
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