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Credit reports: If you need a loan, a mortgage or even a mobile 'phone contract, your credit history will be an important factor in establishing how responsible you are as a borrower. Maybe you pay off your credit card in full every month but have missed a payment because of the recent computer problems at NatWest, RBS and Ulster Bank. How will that affect your credit rating? Or perhaps you're one of seven million adults who have never taken out any form of credit. What problems might that cause in later life, if you need financial help to buy a property or set up a business? How can you build up a credit history? What can you do if you're refused credit? How easy is it to access your credit score? If you'd like advice on any aspect of credit rating, you can contact Money Box Live. Paul Lewis and a panel of experts will answer your queries. Email moneybox@bbc.co.uk or call 03700 100 444. Lines open at 1pm, Wednesday.
Producer, Lesley McAlpine.