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Its becoming more and more difficult to get approved for a credit card or a loan nowadays. The loan market landscape has changed significantly over the last 18 months, money is not as easy to come by anymore.

When we get turned down for a loan or a credit card it is more than likely down to the lenders criteria and your credit report. A credit report is basically your full credit history from when you took out that first loan or applied for your first credit card.

You may feel that you have been refused unjustly as you have always paid your bills on time. If this is the case then you need to get access to your credit report which you are legally entitled to.

Experian which is one of the main credit companies will give you access to your report for free on a limited basis. Its always good to see what is on your credit report as in some cases it may incorrect and be the very reason you are being refused credit.

With such high levels of fraud going on its important for you to make sure that your details are not being used by someone else.