_growing lending with the best rates. The rating greatly influences your approval of any type of loan.

It would be beneficial to get a copy of your credit record to ensure that the information kept on your file is correct as mistakes can occur. Credit rating agencies like Experian (www.experian.com) and Equifax (www.equifax.com) can provide you with the details on your credit for a small fee. Check you credit records and address any problems before you attempt to apply for any borrowing.

To maintain a healthy credit record ensure that your bills and credit card payments are made regularly and on time. Ensure that anyone living with you also maintains a clean record of credit.

Summary
In this section you need to have understood the following:

• Understand 14 ways to raise finance easily
• How to access, check and maintain your credit rating

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