Tips for Sorting Out Your Credit File

Lenders will reject an application with just one late payment. It's really important for anyone who's got a credit card to set up a direct debit. There's lots of ways to get your credit file, but that score in many ways is irrelevant. A lender doesn't look at your score. That's another myth. They will take the information and score it themselves. So I think the key is to just not have anything negative.