If you feel you are credit-worthy there may be a problem with your credit file.

You can find out by getting a FREE credit report from Experian...

This FREE Trial on CreditExpert helps you to manage what's on your credit report and better understand and manage your credit status.

You can:

• check your electoral roll, CCJ and other public records
• see your full credit payment history for the last three years
• view previous credit searches to see who's looking
• and reveal your credit score and what it means.

You can also query anything you don't understand with a free phone call.

So sign up today and check it out to avoid problems with applying for credit in the future.