Do a credit check on yourself
A credit check is something that financial institutions often do on us when we apply for a loan, but it's not something that we often think of doing ourselves.
Your credit file holds personal information about you as well as details of loans that you have, any credit applications that you have made and details of past and present overdue accounts. You could be surprised at the amount of detail! Information is held on your account for between four to seven years.
A bad credit file can cost you a lot in the long term. If you haven't paid your bills, or if you've had your power cut off, your car repossessed or skipped payments, exceeded card limits or defaulted, you could be refused a loan or be charged a higher interest rate.
It's a great idea to check your credit report occasionally, not just to tally up the black marks but also to ensure that there are no errors - and to make sure that you haven't been an unwitting victim of identity fraud!
It's easy – you can obtain a copy of your credit file for free within 10 working days by contacting Veda Advantage at or or Dun and Bradstreet at
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