Credit Munch

Get your credit questions answered

Do you have a credit report issue and would like some advice? Each month, James Jones, a credit expert with Experian, will answer a selection of readers' questions. Send your question

Will my fiance's problem hit my credit rating?

Experian's James Jones helps a reader who is concerned that his future wife's poor credit score will affect his own

Can I use my US credit report here?

Experian's James Jones advises an American reader who wants to buy a property in the UK

Abbey owes us

Experian's James Jones advises a reader on how to reclaim money taken in error by Abbey

Redress for ticket scam?

Experian's James Jones helps a reader whose wife was conned by a fake ticket company

Why has my credit score tumbled?

Experian's James Jones advises a reader who cannot understand why her credit rating has changed

How do I apply for a Time Order?

Experian's James Jones helps a reader who is struggling to repay £14,000 to Northern Rock

How can we reclaim our cash?

Experian's James Jones advises a reader whose colleague was allegedly defrauded of over £12,000

Will my mum's debts affect me?

Experian's James Jones reassures a reader who is concerned that his mother's debt hits his credit report

Why was my card refused on holiday?

Experian's James Jones helps a reader who was shocked when her card was refused in a Spanish hotel

Is a £3 charge on a £10 cash withdrawal reasonable?

Experian's James Jones advises a reader to use credit cards for cash withdrawals in emergencies only

Will I ever be able to get a mortgage?

Experian's Jill Stevens advises a young reader with card debts on returning to creditworthiness

How can I explain an unfounded CCJ?

Experian's Jill Stevens advises a reader who has had problems remortgaging because of a CCJ he believes to be unfair

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Credit where credit's due

Your credit report determines whether you are given credit and may also affect the interest rate you are offered by lenders, which could lead to more costly borrowing

Who is Experian?

What is on a credit report?

What is identity fraud?