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Join me... and get into great financial shape ...time to use your.

HI PEOPLE! I'm back and I've teamed up with Noddle, the free for life credit report service, to get the nation in better financial and physical shape.

Last week I hit the streets of Birmingham with my heart-pumping Credit Workout designed to get your credit report in tip-top condition.

It's not as hard as people think and a great way to start is by actually checking your credit report.

Here are just some of the things you need know.

What is a credit report? It's a bit like a financial passport and gives you a summary of your credit history. So it lists all your bank accounts, credit cards, loans and mortgages, as well as who's looked at your report.

Why is it important? Lenders and companies look at your credit report all the time and make decisions about you based on this information, like whether to give you a mortgage or credit card, or even a mobile phone contract.

So it's important to check it to make sure there's nothing on there that shouldn't be and to better protect yourself from identity fraud.

How can I improve my credit report? There are some simple things that you can do: Check your credit report regularly Pay your credit agreements and household bills on time Close any accounts you're not using Make sure you're registered on the electoral roll at your current address Correct any mistakes on your credit report.

How can I get my credit report and do I have to pay for it? It's simple - go to where you can download your free credit report. Remember it's free for life not for just 30 days.

Come on people, get motivated, get on top of your finances with and be happy!
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Publication:Birmingham Mail (England)
Date:May 2, 2012
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