Improve your credit rating
There are certain facts that you should be aware of regarding credit, especially if your credit history leaves something to be desired. The first of these is one surprisingly few people are aware of. Every time you apply for credit, the lender you are applying with checks your credit history with a credit reference agency. There are two main, ones and I'll get to those later, as they can actually help you. What people are not aware of is that every time you apply, even if you are refused, it is logged with these agencies.