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.
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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.