Before choosing your credit card make sure you read the Know Your Money Credit Card guide.
Two firms compile credit histories in this country, these being Experian and Equifax. They cannot refuse you credit, their role is simply to supply the information so that lenders can make an informed judgement. If you've been refused credit, it may be worth checking your credit rating. This can be done by asking the lender that refused you credit the name of the agency that supplied the credit details.
Check my file are the first UK Internet site offering consumers free credit scores, credit ratings and neighbourhood information.
Credit Expert, the online credit monitoring and identity protection service from Experian offers a 30 day free trial .
