Answer: -Chip away at your bills and try to pay them off, get yourself a credit card for bad credit people such as capitalone visa and use it and pay it off every month, such as use Ј10 pay Ј10 back, it will help build another picuture of you, of someone who can pay and whats more pay on time - Pay off your bills, and wait. Bad credit can't be made to go away; any negative entries on your report will remain anywhere from three to seven years. -Don't ever get cash on a credit card, pay over the minimum payment, dont miss any payments and dont apply for any more credit or loans for a good 6 mnths, your credit ratings should start picking up -It will take time. However, it may sound silly, but the more credit you can obtain, the better it is for your credit rating.Make your payments on time - even if you can only afford the minimum repayment. And try not to overdraw funds from your bank account (outwith your agreed limit).Also, if you have incurred any bank charges, there is a way to claim these back, as many are deemed unreasonable. E.g. it may cost you Ј40 whereas they have only incurred Ј10 in administration costs.Why not visit your local Citizens Advice Bureau?