credit check

experian

and equifax

It's amazing what crap can appear on your file. One time I checked I found out that Co-op Bank had done a search on me at my neighbours house. When I queried this I found out Co-op Bank had punched in the house number for my old address and the postcode for my new address when assessing a credit limit increase. It didn't affect anything at the time and I'd not applied for anything since, so never found out if it would have created a problem, however, knowing how some financial organisations are a stickler for having things just so,. thought it best to correct it. I now get my credit file sent to me automatically every quarter (you can apply for this to be done on the Experian web site) to keep an eye out for other rubbish.