Mel C, the Sporty Spice Girl, is said to have been turned down for a mobile phone because the phone company thought she could not pay her bill. If you have been inexplicably turned down for a credit card or whatever, this may well be because you are also regarded as a poor credit risk. Transamerica Lending Company, which specialises in lending to people who get turned down for high street credit, has produced a free guide that shows how to check and change your credit rating. Phone 0345 321379.
Even better banking deals are being offered to this year's graduates. Midland Bank is offering first years a three-year, interest-free overdraft of up to pounds 1,500. Applicants do not have to bank with Midland.