Discover the hidden world of credit scores and credit files with tips on using credit responsibly. Learn how to improve your credit score and why it's worth doing. Explore strategies for building credit history, utilizing credit cards wisely, and managing credit for a stronger financial standing.

Sara Williams, a debt blogger, and James Jones, Head of Consumer Affairs at Experian, discuss credit scores, small debts impacting mortgages, and credit rating agency flaws. They explore the consequences of small historic debts, defaults on credit scores and mortgages, and tips for improving credit scores and loan opportunities.