This week I'm looking at a vital part of your finances - the information that banks, lenders and other companies use to work out whether they want to give you a product or money.
Known as a credit report, it holds details of all your accounts, payment history and more. And linked to this is your credit score. They're different things but both very important.
Here's how they work, when they're used and how you can access them for free.
Cash Chats is presented by money blogger and broadcaster Andy Webb.
In 2020 the podcast has been featured as one of the top finance podcasts by Apple, Good Housekeeping and the Independent.
In 2019 it was awarded Best Money Podcast at the SHOMOS - the UK Moneybloggers annual awards.
On each Cash Chats episode you can hear Andy share ways to get the most from your money. He's often joined for friendly and accessible conversations by a friend from the UK Money Blogger community to cover topics as diverse as freebies and investments. Then at the end of each week stay tuned for a bonus “deals of the week” rundown of the hottest offers from the last seven days.
Podden och tillhörande omslagsbild på den här sidan tillhör Andy Webb. Innehållet i podden är skapat av Andy Webb och inte av, eller tillsammans med, Poddtoppen.