We asked listeners what stories they would like us to look at in 2010. And so far, credit rating agencies have been one of the hot topics.
Lenders go to these companies to find out about a borrower's background before agreeing to give them credit.
The information stored is crucial to our financial well-being.
Two problems with this system have frustrated listeners.
Firstly, it costs too much to check your credit file. And second if you find a mistake it is too difficult to get it corrected.
Presenter Paul Lewis goes through his credit rating with James Jones from Experian.
This item was first broadcast on Radio 4's Money Box on Saturday, 16 January 2009
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