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		<title>What is the best way to repair a bad credit rating?</title>
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		<pubDate>Thu, 29 Jul 2010 14:49:46 +0000</pubDate>
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				<category><![CDATA[insurance question]]></category>
		<category><![CDATA[bad credit rating]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[loans]]></category>
		<category><![CDATA[Overdraft]]></category>

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		<description><![CDATA[coola asked: I have overdrafts, loans and credit cards and I have missed many payments on all of them and am overlimit on my overdraft and credit card. Apart from making payments on time how can I get a better credit rating? Will it only get better once I don&#8217;t owe anything or if I [...]]]></description>
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<div><em><strong>coola</strong> asked: </em><br/><br/><br/>I have overdrafts, loans and credit cards and I have missed many payments on all of them and am overlimit on my overdraft and credit card. Apart from making payments on time how can I get a better credit rating? Will it only get better once I don&#8217;t owe anything or if I begin to make regular payments on time will that improve it? How long does it take for it to begin to improve? I&#8217;m in the UK so need info for here please. Thank you!<br/><br/><a href=''>Steve</a></div>
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