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With everyone in the finance industry beginning to tighten their belts as the credit crunch starts to bite, it's never been more important to take care of your credit rating.

According to The Independent, the big credit reference agencies are preaching the importance of making sure you keep up to date with repayments on loans and mortgages, with Experian saying, "Whenever you apply for credit, you want to make yourself look more attractive to banks.  They are still lending money but they are only lending to people they can be sure will pay it back."

So make sure you pay back not only your loan repayments, but also things like your utility bills and your mobile phone bill; it all counts!