Money Tips Daily By Charles Kelly, Former Ifa And Author Of Yes, Money Can Buy You Happiness.

Welcome to Money Tips Daily. Today I want to talk about something that can have a huge impact on your life, your credit rating. Check your credit rating regularly and protect it by never allowing your rating to be compromised by not paying a bill or defaulting on a credit card, which can stay on your record for up to six years. Protect your credit rating with your life! To check your credit file and obtain a credit rating you can apply to one of the main credit reference agencies in your country. In the UK the big three are www.Experian.co.uk, www.Equifax.co.uk and www.Call Credit.co.uk, which can supply a free report or charge a small fee. You can pay a monthly subscription for ongoing reports, but I would go for the basic report to start with. You can also obtain a combined report covering all three credit agencies, which will often hold different information on you depending on which company reports activity. You should check your credit file at least once a year, as errors will aff