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Don’t ignore your credit report

It pays to be aware of your credit history to ensure no-one is applying for loans or credit cards in your name. The three main credit reference agencies (CRAs) are Experian, Equifax and TransUnion. All will provide consumers with a copy of their credit report and you can apply online. Lenders will use the information in these reports to determine whether or not to grant credit – and potentially what rate of interest will apply. Your credit report will probably go back at least six years and include: