Once you know what your credit score is, you will be able to start improving it.

You can get a free credit check at joincreditexpert.com. The service costs £6.99 a month, but you get the first 30 days free and there’s no obligation to remain a subscriber.

They also advise on improving or amending your credit record. So sign up and check your credit report for free – just remember to unsubscribe within the 30 days.