Jill, welcome ...
Let's tackle some of the questions from yesterday.
An anonymous text first - how do you find out your credit rating?
You can get a copy of your credit report from any one of the 3 credit reference agencies (Experian, Equifax and CallCredit) but each one will probably be slightly different. It costs £2. You can apply online, by phone or in writing.
Or you can take the free trial of "CreditExpert" but remember to cancel your subscription to the monitoring service if all you want is the free report (it costs £5.99 a month for instant online access to your credit report which lets you know every time there is a significant change).