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1. Check your credit report Credit reports are compiled by credit reference agencies based on the information in the public domain about your business. The report is basically a recommendation based on this information as to the likelihood that credit will be repaid on time. You can check your own credit rating by purchasing a credit report. You should regularly review your credit rating to monitor any changes and tackle any problems early on. 2. Correct any mistakes Even a simple mistake such as an incorrect address can affect your credit history. If you believe that there are mistakes in