In order to consider you for GB amalgamation loans, the financier you apply to will need at least your:

• Name;
• Address (with post code);
• Time at that address;
• Amount you want to borrow;
• Employment (how long in your current job);
• If you have a bank account (and how long you've had it).

You can improve your credit-worthiness by:

• Staying in one place for two years or more;
• Your house or flat not having had previous occupiers with bad credit;
• Getting black marks removed from your credit report. Go to Experian, CallCredit and Equifax;
• Paying your bills before the due date;
• Being on the electoral register;
• Having a credit card or store card;
• Paying off your credit-cards, store cards and Blockbuster video rentals* regularly;
• Having the same bank account for two years or more;
• Being in credit on your bank account (no overdraft, no unauthorised overdrafts);
• Having £50,000 in the bank already!
• Owning property.