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Have you ever been turned down for a loan or credit card request? It is very annoying when you are not allowed the cash you desire, yet there are ways of finding out precisely why. Firstly, you could get your free credit report on the internet. The big credit ratings agencies in the UK offer this service and you can sign up for a regular subscription. Looking at your credit file is helpful to discover why you are turned down and to take steps to increase your general score. Another good element is that you can monitor for fraud, by keeping an eye on what is happening. Identity fraud is unfortunately very common and being the victim means your credit score might be damaged.