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These days getting the finance you want is harder than ever, lenders are making getting a mortgage, re-mortgage or loan more difficult to fit in with new FSA legislation. You need to know what data companies and organisation hold on you far ahead of applying for finance, sometimes the data can be wrong or outdated counting against you. You can set this right and make sure you are not a victim of ID theft with the market leading credit report service Experian. They offer a 30 day free trial so you can see the state of play on your financial past. Its always surprising what pops up with your past, whether its old dead credit cards, credit accounts at stores or paid bills that still count against you. Can you afford to to nothing?

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