If you're not sure what your credit rating is - get your free credit report from Experian, Click Here. Alternatively, here's our quick guide:

Excellent - No credit problems, on voters roll and resident in the UK for at least three years. Aged between 21 and 65 with credit at current address. Up to date on mortgage and credit card repayments with no missed payments over the last 12 months and credit card balances are within limits. Rarely overdrawn and have never exceeded overdraft limit. In full time employment or self-employed and earning over £900 per month.

Good - No credit problems, on voters roll and resident in the UK for at least three years. Aged between 21 and 65 with credit at current address. Up to date on mortgage and credit card repayments with 1 or 2 missed credit card payments over the last 12 months and credit card balances are within limits. In full time employment or self-employed and earning over £900 per month.

Fair -  Resident in the UK for at least three years. Aged between 21 and 65 with credit at current address. Has satisfied County Court Judgements. In full time employment or self-employed and earning over £900 per month.

Low -  Resident in the UK for at least three years. Aged between 21 and 65 with no credit at current address. Has outstanding County Court Judgements.