dont think im going to be able to get my new carie-poo (car) next month because i think my credit ranting is absolutly awful gutted anyone know what i can do? how long will it take for it to get good again? ive got topshop card to pay off...overdraught on student card, overdraught credit card....and didnt get payment off a person for avon when i was a rep a million years ago, so i forgot to pay it, and they sent a letter to a credit thingy. hmmm i think thats all the debt i have and i applied for a debenhams card and a topman card, which were declined, which goes against your credit ranting too. oh my. can i have some rep since i have no money?