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Each time you apply for credit, the lender will carry out a search with a reference agency to help establish whether or not you are creditworthy.
Lenders use credit scoring to decide who to lend money to. You earn a certain number of points for each bit of information in your application.
A few simple tips on how you could give your credit score a push in the right direction.
Contrary to popular belief there is no such thing as a credit blacklist. Each lender has their own criteria and reasons for turning an individual down. While one may turn you away another may welcome you with open arms.
Research suggests that those "systematically denied credit by mainstream lenders" will increase from 7 million to 8.6 million by 2011.
Remortgaging or taking out a loan to consolidate debt is a popular way of reducing credit card and loan repayments. But do the risks outweigh the gains?