Repairing your credit
Ian (in blog comments):
There are various documents available on the internet that detail how to "repair your credit rating". Do these guides really work, can you repair your credit?
Don't be tempted to pay a company which offers to repair your credit. If anything is wrong on your credit report you can amend it for free. If you have money difficulties you can get free help from Citizens' Advice and other agencies who will help you sort yourself out.
If the facts on your credit report are accurate you cannot change them. What you can do is add a note to your credit report explaining any special circumstances that led to you getting into difficulties.