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Knowledge is power when it comes to getting the credit deals you want. Start by understanding the impact your credit history has on the type of offer you get – or whether you get an offer at all.

Your credit history is reflected on your credit report which lists cards, loans, mortgages and other credit accounts, repayment track record and other information such as bad debts, IVAs and bankruptcies. Lenders use this, along with details from your application, to decide whether there’s a good chance that you’ll repay what you owe, so it’s crucial to understand what items will and won’t influence them.

Here are the top ten credit myths – and the truth behind them.

• Build a better understanding of your credit history – see your Experian credit report with a free trial of CreditExpert, the UK's leading online credit monitoring and identity fraud protection service.