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Need to Sort Out My Debt


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I need a way to repay my overdrafts which were previously interest and fee free and no longer are.

 

I have a debt of £4k that I would like to repay,

 

I can afford the repayments on almost any loan and can actually repay my overdraft back over a period of time

but it will have cost far more than it would need to.

 

I have looked at my credit file on checkmyfile which seems to show that I'm on 4* which from what I can work out can't be a bad thing.

 

I do have an existing loan which totals about £19k at the moment which again I dont have any problems repaying.

 

My issue is that I want to reduce how much this thing costs me overall.

 

Does anyone have any ideas??

 

Thanks

 

Khuz

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Yeah what sunny says applies. I have looked at my credit rating and it seems to be fine.. But when I apply for anything credit wise I get knocked back faster than a ugly dude hitting on a sober model.. I dont understand why my credit file says one thing but still find it difficult to find credit. The annoying thing is check my file seem to think I would qualify for cards but I have applied for them in the past and they have knocked my application back before

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