WELCOME to Kirkby Local – a new website being run by local people to keep natives and visitors alike in touch with events and opportunities in the town.

Our aim is to become a platform for arts and social groups. Anyone with something to shout about is welcome to get involved and use the site to promote their group.

Of course, that’s not to mention the groups and organisations that get together every week or the many events and meetings that take place.

Help keep the community in the loop by sharing what you know about the town with others through the Kirkby Local website. It doesn’t cost anything to post information – or even your opinion – on the site.

To find out more information contact us.

Handy Credit Repair Guide for Kirkby Residents

A recent survey indicated that the Merseyside area was rife with households struggling with debt and bad credit. Here’s a quick guide written in collaboration with Michael Hass from NoHassleMobilePhones.com:

The credit report of people who have not exactly been on top of their game can be a roadblock to them in future financial endeavors. Stains on the report card may prove costly. Not only in terms of hindrance but also in terms of interest rates. Bad credit history is a problem that thousands of Americans are facing these days. It is not all done and dusted for these people. There is still hope and chance to prove that they are worthy of credit.

There are a few things to keep in mind though. One is that it is never too late to pull yourself back on the track. The second thing you need to remember is that your credit score is not going to soar overnight. You will have to work for it for a considerable amount of time to better your credit score.

All good things come with effort and patience and so does credit score. However, in order to improve your credit report, there are a few things which can help you. Following these guidelines can be of great help to you when performing credit repair in self mode. Here is a self credit repair guide.

1. Credit Reports:

Get your credit reports in your own hands. When it comes to credit reports, there are three bureaus that matter. Get to know what opinion they have formed about you. The three bureaus are TransUnion, Equifax, and Experian. It is possible that all three of them have formed a differing credit report. But the differences are often minor. If you are really deep in debt and your credit report shows so, then rest assured, none of the differences will be in your favor. The difference arises from the fact that creditors report to only one of the three bureaus. They usually subscribe to only one of the bureaus. So, it is advisable to get your credit report from all three. It is not like they cost you anything either. Once every year you can request a free copy of your credit from them. In the event of refusal of insurance, loan, credit, or employment you can also get them to get you a free copy of your credit report. You have to make this request within 60 days of refusal.

2. Examination

Once you lay your hands on the report examine them thoroughly. There may be errors in clerical entries or calculations. The bureaus file information on the basis of what they receive from the lenders. This information is not cross checked at the bureau. In case of mistakes in your report, which are bound to happen, get them corrected. One thing to note here is that you should be thorough, both in your report and your calculations.

3. Keep up to date

Make sure to be up to date with your current debts so they don’t get a chance to dent your credit report and you work harder to repair the damage caused by them.