What does your credit file mean?

Credit card companies and other lenders live by their own Bible, and that bible is the credit file. It is this file that they consult when you apply for a loan or a card, and it is to this file that your own conduct of your accounts will be referred, whether you make balance payments, minimum payments, short payments or no payments at all to your credit card. The way you conduct your accounts will be of great interest to these companies, and will usually decide whether or not you get further credit, and how much you get. The credit file is a source of much speculation from individuals, but in actual fact it is something that you can see for a small charge. 

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It is a little-known fact that things sometimes find their way onto a credit file that should not be there. Banking errors can result in a missed payment being registered when in actual fact the payment was met. If you keep your statements (and you should, or at least keep track of your banking online), then you will know when payments were made and whether any were missed. In cases where the information does not tally up, you are well within your rights to complain to the bank and request correction (and in some cases, compensation). Register online with the major credit agencies for the chance to see your credit files, and make sure you aren’t being misled. It happens – don’t let it happen to you.

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