Answer: -The best thing you can do is to find someone who will give you some credit and mak sure you pay them well and within the terms. You can't clear the histroy but you can start to improve it. -Not really! Unless you can find someone willingto give you credit (repayments are likey to be high). Build your credit up that way. Details stay on your credit report for 6 years. -If you have a bad credit history then the only way you can start to repair it is to take out a loan with a company that specialises in dealing with people in your position. Be advised that the interest rates are not going to be at all competitive but that is the price you have to pay unfortunately. Make sure all payments are made on time and if possible pay it off early. You can repair your credit history but it will take time. -If you got into credit problems because of particular circumstances, such as losing a job, or getting divorced, then you can contact the credit reference agencies and ask to put a note on your file explaining this and saying why things have now changed. Missed payments etc have less of an impact on your credit score as time goes on, so if you are scrupulous about keeping up repayments from now on, your report will improve over time. -You can rebuild your credit with a secured credit card that you pay off each month.Capital one do one. it will only have a crappy limit of about Ј200 but if you spend on it each month and pay it off each month, you will rebuild your credit rating in about 9 months to a level where someone else might offer you a decent card.However, you wont take the bad credit of your history for 6 years, just put fresh "good" history for people to see how much of a model citizen you are now.