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Lenders, mobile phone companies and mobile phone companies will use a Credit Score Report to determine whether or not to lend you money, give you a phone contract or insure you.
It may surprise you to know that you don't have a credit score as such - every lender has their own criteria for determining the "perfect customer" and will arrive at their own credit score for you based on your credit history and the type of customer they are looking for.
You can check your Credit Report online with the UK's most used credit reference agency, Experian, for free for 30 days.
They also offer advice on how to improve your credit rating and give you the opportunity to access your Experian Credit Score - as seen by lenders.
For your 30 day free trial click here
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