The summer is over. Time to sort out your personal finances



With the summer drawing to a close it is a good time to give your finances a back to school-style makeover. Here are ten top tips to get you started.

1 Check your credit report
Banks and other finance companies will use your credit report when considering applications for credit cards, loans or mortgages, so ensure it is up-to-date. You can access your credit report using reference agencies such as Callcredit and Experian. Try to avoid multiple credit applications because this can harm your score — instead, use a service such as Credit Matcher to assess your chances of success before you apply.

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