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When did you last check your credit report?

Your credit report can strongly influence whether you get a particular mortgage, credit card deal, mobile phone contract or cheap energy tariff, and sometimes even the rate you get.

Even a small error on your report at credit reference agencies Experian, Equifax or TransUnion can cause havoc – but when did you last check yours?

(If you want to find out how to check your report, see our Credit Reports guide.)