Frequently Asked Questions

This section contains some answers to questions that are often posed regarding credit ratings, credit checks and credit reports. We attempt to dispel some of the myths surrounding how credit reference agencies work and what things impact on your creditworthiness.

Can the credit history of people who used to live at my address affect my creditworthiness?
I was wondering if there is anything else that I can do to get my credit rating back up?
How long do missed payments stay on a credit file?
My credit file is showing me as late paying since October last year, but this is incorrect what can i do?
What actually is on a credit report?
Is it possible to be turned down for a credit card because of no previous credit history?
I'm an 18 year old applying for my first credit card - what are my choices?
Can I get a mobile phone contract with a bad credit rating?

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