As we are all aware the economy is very bad at the moment, but this does not stop people from wanting houses, mortgages or new cars. Each of these people are constantly trying to get their credit boosted in order to be accepted. But what a lot of people do not know is how much access these companies can actually get about your life, you would be surprised ultimately about how much they actually know.

Have you ever been denied credit, only for the company that ran the check to turn around and tell you that they cannot tell you the reasons why. They cannot really tell you because they don't actually have that much information, they dont know which bill it was you missed or what different discrepencies you had with another company, the only information you may get told is if you have any CCJs or bankruptcy's because that is available publically.

There are numerous ways in which you can keep your credit score healthy. Firstly always pay your bills on time because most agencies now work closely with the credit houses, which most people use for credit checking, by missing a bill this gets marked down. Secondly is a simple fact and that is trying to be consistent on your applications.

Let me just give you a quick example, if you put on one application that you had a different phone number and everytime you got credit checked this phone number was changing people may feel that you are trying to hide something.

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