With Credit Expert, I realised that it does pay to keep an extra eye.

A very good service from Credit Expert, the online arm of Experian, one of the 2 major UK credit reference agencies. Sign up for the 30 days trial and then remember to cancel a few days before the time is up so you don't get charged (and then still get your cashback as well!) It's easy to cancel, just call them with your reference number- the phone number is on the site. A good way to see what your credit file looks like and where you could improve it (the members area has some advice).

easy to set up a personal credit check, get loads of info in the 30 day free trial and very easy to cancel. good cashback deal too.