Topic: Credit ratings and credit cards
If you haven't already done so, you should order your online credit report from one of the credit rating agencies such as Equifax. Go to www.equifax.co.uk. The site also has helpful guides and information to help you underatand and improve your credit rating.
You can also order your statutory credit report for £2 which will be delivered to you in the post in 7 days.
If you see anything on your report that you disagree with, you can dispute this and ask to have it removed.
Most credit card providers will only offer 0% balance transfer cards to people with excellent or good credit scores - if you have oustanding credit card debt which is incurring a high rate of interest I would advise you to talk to a credit broker who may be able to find you a loan at a better rate of interest.