Most people who have taken out a loan or use a credit card have credit rating. However, if you miss a payment or owe money to a creditor, the creditor will report this to a credit reporting agency that keeps records of your credit report. If you do not repair your credit immediately, you will have a negative credit rating and you will not be able to get any credit or loan in the future. You must take immediate steps to remedy this and repair your credit rating.

??tis the Season to be jolly, with a Hey Nonny no? and much slapping of the thighs etc and all that humbug ? I know this makes me sound like a cross between Dickens?s Scrooge and a grumpy old man but I have just finished wading through a whole raft of sales promotion material from a series of Credit Card Companies and it really does beggar belief at times.