Delete and Dispute any Defaults on your Credit File with this Free trick!
One unfortunate factor with being in debt, is that Banks/Debt Collectors/Creditors will put a default on your credit file, which will stop you being able to get any more credit.
So one tactic I would suggest, is to access for free, your credit file and have a look for any defaults (tactic can be used for any defaults you have) and if there is, then click dispute next to all of them.
I have found many times, companies put defaults on your file much earlier than they legally should, so you can clear your file/improve your credit score today. The free one I used was this one