Credit Card


Do you have a 'poor' or 'very poor' credit score? Defaults and CCJ's?

Have you seen the adverts advising you to use this product, or that product to boost your credit score? Question is though, do they really work? Credit scores can influence a number of financial matters, such as your ability to obtain a loan, car finance, credit card and a mortgage, as well as the terms you are offered if your application is successful. With a 'bad' credit score, you will be most definitely be paying over the odds on your credit card % APR and you may well be declined credit card, mortgage applications, and mobile-phone contracts.  

Let's take the Experian Credit Check

The Experian Free Credit Score runs from 0-999. It’s based on information in your Experian Credit Report – this includes how often you apply for credit, how much you owe, and whether you make your payments on time

You lose points for having records on your report that may look negative to companies, such as late payments, defaults, CCJ's.

You’ll gain points for things that companies usually view positively, such as consistently making payments on time and being on the electoral roll. But once you have these late payments, defaults or CCJ's, it can take a period of 5 years before these are no longer showing on your credit history. 

The Experian Credit Report score grades you as either, Excellent, Good, Fair, Poor or Very Poor. Anything below Fair, means that you are highly likely to be paying a higher interest rate or declined credit. 

At John Doe Mail, we have developed a fail safe way to boost your credit score. All we require from you, is commitment to a 12 month contract with ourselves and we can assist you in having your credit score return to a 'good' or 'Excellent' level.

How would you feel if we could take your 'poor' or 'very poor' credit score and turn it into a 'Fair' score within 6 months and within 12 months a 'Good' or 'Excellent' credit score. 

Please note. Only applicable to UK citizens. Must have a UK Driving Licence and a UK Passport. Applicants must currently have a 'very poor' or 'poor' rating. Those we help the most normally have several CCJ's and Defaults against themselves.  

For more information, please email us at and we will be happy to discuss the options available.