Apart from making sure you've not been a victim of identity fraud, it's always a good idea to keep tabs on your credit rating to ensure that your files are correct and up-to-date. A mistake on your records could adversely affect your access to the best deals or even prevent you from getting credit at all.
Remember that although being turned down for credit following a credit check can be upsetting it does not necessarily mean you are not creditworthy. It is essential to check the information held on your credit report on a regular basis to make sure it is accurate and up to date. If there are inaccuracies have them updated or removed from your credit report.
You can check your credit report by contacting the following agencies and asking for a copy of your credit file. They will charge a small fee, but if you find a mistake, you can ask for it to be corrected. Credit Reference Agencies collect and store details about you and your personal credit history. There are 3 credit reference agencies in the UK; Callcredit, Equifax and Experian.
