No matter what your credit or debt history, even if you are blacklisted by banks, you can often quite easily obtain a bad credit mortgage. It is possible to repair your credit status without being evasive or by using the services of dodgy credit repair companies - which can charge anything up to £200 for doing nothing you can't do yourself through credit reference agencies.

Don't just go from one bad credit mortgage lender to another hoping to be accepted. Every time a check is made with a credit reference agency it shows up on your file, leaving a trail of evidence showing you are being refused by others. If you are refused credit, always ask why. It might be to do with their scoring procedures. Different bad credit mortgage lenders use different systesms, so you may find you can get a loan or mortgage elsewhere.

Your personal record may be influenced by the financial blunders of a former partner, so it is possible to have a Notice of Disassociation added to file to filer out their information. And you can add a Notice of Correction, which can be used where there is information which is correct but benefits from being viewed in context, such as a credit default from when you were made redundant or following a divorce or illness.

The good news is taking out some form of credit and then successfully meeting the repayments can help rehabilitate your credit status. There are bad credit mortgage lenders out there who are particularly experienced in the problems of clients with an adverse credit history, CCJs, defaults, bankruptcy, arrears or IVA (Voluntary Agreement/Arrangement). Most bad credit mortage lenders won't consider borrowers with a bad record, and until recently the only help available was from credit cowboys.

Fortunately for those with a shaky credit history, Seek4finance.co.uk has brought together some respectable mortgage operations specialising in bad credit mortgages. See below for more detail: