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MSN Money Credit Reports (Image © Peter Byrne/PA Archive/Press Association Images)

Your credit report is key to getting the credit you need, from a card or mortgage to utility and mobile phone accounts.

This credit reports guide shows the information your credit report contains, how lenders use it, how to improve it and why you should check it regularly. It pays to understand your credit report and it’s a major step in taking control of your finances.

Credit report basics

The more you understand about your credit report, the easier it is to take remedial action and improve it.