As you recover from debt, you may wish to broaden the range of financial products that you use. Your credit record is the starting point for this, because without it, any application that you make - current account, savings, pensions even - could result in an increased negative score if you are turned down. Money Saving Expert, Martin Lewis has up to date information on which lenders use which agency and Check my File offers the best all round deal on reports from all three agencies - important if you need to keep checking for any length of time.http://www.moneysavingexpert.com/cards/credit-reference
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