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Lenders use your credit report to assess how "risky" you are as a borrower. It contains a history of your credit products, such as bank accounts, credit cards, and utility payments, and tracks whether you've made repayments on time.

If you check your report and find it’s looking a bit bare or lower than you'd like, try these immediate steps: Why you shouldn't worry too much about your credit score

Offers free access to your Equifax report and score. Credit Karma: Provides your TransUnion data.

For more information on how to read these reports, you can visit official resources like MoneyHelper . 3 Quick Tips to Improve Your Report Today