Great, thank you. I have had a look on my credit file, and although I do have a TV License (paid by direct debit) - it is not on my credit file. Should it be? I also have the following which are not on my file: Sky, TalkTalk (Phone line & Broadband), Current Account with HSBC, Water Bill, Car Insurance. Thank you for your time.

Oh, ok. Do you have any ideas of how I can repair? I have cleared all defaults (3 of them). I have no CCJs and no o/s credit. Thank you!!

Do the Companies of Prepaid Credit Card's send information to Experian? Basically, would it help improve my credit file by having a Prepaid Credit Card?