How does it work? 1. You enter your details in our secure system. At this stage, all you have to give is the amount you want to borrow, your age, and how long you want to borrow for. At this stage it's completely anonymous, and will not appear on your credit record. 2. Once you have found the loan you want, you apply directly online. Many lenders will have your money in the post within 24 hours - some will even courier the cash round for you! Search now for your perfect loan! car insurance GO home insurance GO life insurance GO mortgages GO savings GO finance GO		BonaportLoans helps reduce the cost of your borrowing If you're looking to borrow money, and you have a poor finance history, look no further than the BonaportLoans adverse credit finder. If you've been blacklisted before, or have CCJs and judgements against you, it can be difficult finding someone willing to lend you money. The BonaportLoans adverse credit finder takes the hassle out of finding a loan - and could help you find the very best rate!   **** "Thank you BonaportLoans - I found a rate much cheaper than I was paying and managed to reduced my outgoings each month!" PTF, London **** Try it out now: you just have to enter a few details (it's all anonymous at this stage) and the system will show you all the companies willing to lend you money. It's quick, simple - and could save you ££ss!

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Your Credit File Everybody has a credit file, maintained by a credit reference agency. Many people have adverse credit details on their files, such as defaults, bad payment history, County Court Judgments. This means that when these people apply for credit, such as loans, mortgages, credit cards, car finance or even a simple bank account, they may be turned away. Most people are unaware of credit information, credit files and credit reference agencies, yet they have increasing importance in today's world. Most lending sources will automatically run a credit search on applicants, by contacting the major credit reference agencies, Experian Limited or Equilfax Limited. These reference agencies' purpose is to hold files containing credit information, including information about you. * Credit Reference Agencies * Been Refused Credit? * Credit History * Credit Repair * Don't expect miracles * What about CCJs? Credit Reference Agencies Most people are unaware of credit information, credit files and credit reference agencies, yet they have increasing importance in today's world. With the applicant's consent, most lending sources will run a credit search by contacting the major credit reference agencies, such as Experian Limited or Equilfax Limited. These reference agencies' purpose is to hold files containing credit information, including information about you. back to top Been refused credit? The truth is nobody is automatically entitled to credit. In order to be successful when applying for credit, it is necessary for you to prove to the lender that you are credit worthy. But this may be even more difficult if you have adverse credit information on your credit file which is left without repair. Without you realising it, lenders may be relying on  out-of-date or incorrect entries, or entries which don't tell the full story, or which shouldn't in fairness have been put on your file in the first place, or even entries which relate to people with whom you don't have a financial link. back to top Credit History As an individual and a consumer, you have rights to ensure that your files are fair and accurate. You can obtain a copy of your file and ask the credit reference agency or the lending institution to remove or correct wrong information. You can place your own explanation of your circumstances on your file so that lenders see the whole picture. Often people don't realise that a simple step might give them the right to remove or correct an entry. The credit reference agency will tell you if there is anything you could do. Lenders don't always act fairly in the way that resulted in an entry being made. The credit reference agency will tell you if there are grounds for challenging the entry with the lender. Sometimes a simple step like putting yourself on the electoral roll makes all the difference. Utilise your rights to repair your own credit history. back to top Credit Repair Credit repair is a process you can carry out yourself, and sometimes the steps you can take are simple, many people find credit repair a difficult and daunting procedure. Ask the credit reference agency for advice and guidance and make sure you are happy.  back to top Don't expect miracles The credit reference agency will advise you how to remove an entry, but entries that are properly there can't be removed, you may however be able to reduce their adverse effect. If a default or CCJ is properly registered and you owe the money, you will probably have to start to make some payment towards it if anything is going to be done to repair the  entry. The credit reference agency will explain the position with a notice of correction on the file. But if you can't even make payments towards debts you accept you owe then you probably should wait untill you can. The credit reference agencies will give free advice about your credit file. back to top What about CCJ's CCJs can be repaired. If a CCJ wasn't properly obtained, or you dispute the debt, or you have paid the judgment you can repair or even possibly remove the entry. Otherwise, you'll have to make payments towards it to repair the entry.