Your credit history is important. Paying bills late, getting utilities cut off, getting assets repossessed, exceeding credit limits and defaulting on loans can all affect your ability to borrow money in the future. This module offers some information to help you keep a good credit rating.
This module covers:
- what can appear on your credit history and for how long
- how you can access your credit history
- who else can access your credit file information
- how your credit file is started
- what a payment default is, and
- what a clearout is and how you can avoid becoming a missing debtor.