From: "John Smith" 
Newsgroups: uk.finance
Subject: Re: Credit Scoreing
Date: Mon, 12 Apr 2004 23:31:17 +0000 (UTC)

"dave layton"  wrote in message
news:c5eigd$brn$1@hercules.btinternet.com...
> Hi there,
>
> Looking at my credit file from experian and Ive noticed that there are a
few
> Credit Searches on there (which I have done over the years) and I was
> wondering if that will affect my Credit Rateing.
>
> Is there anyway of getting rid of the searches on my file?
>
> Also, is there anything that i can do to improve my credit file (the only
> bad debt I had is with one2one (about 5 years ago which is paid, from my
old
> address).
>
> Thanks in advance,
>
> dave.
>
>

I've had a few probs with this myself so i'll tell you what worked for me.
Just get a couple of credit cards from whereever and spend a small amount of
money on them for 6 months. I paid my contract phone bill with them every
month and then both were reporting a good account to experian. Easy as that.
Credit Files are a bit of a black art in my experience but if you have alot
more good references on them than bad then it should be fine.

Searches can work in a number of ways, for example, my company will do a
search with experian to see if a prospective client has any bad debts but
wont report the account status month by month, only if they default on their
account.

Improving your credit rating is as simple as it should sound, get credit and
deal with it properly, your rating will go up.