{"id":980,"date":"2014-04-23T12:09:52","date_gmt":"2014-04-23T12:09:52","guid":{"rendered":"http:\/\/my-brains.co.uk\/jackross\/blog\/?p=980"},"modified":"2014-04-23T12:09:52","modified_gmt":"2014-04-23T12:09:52","slug":"most-brits-dont-know-their-credit-rating","status":"publish","type":"post","link":"https:\/\/my-brains.co.uk\/jackross\/most-brits-dont-know-their-credit-rating\/","title":{"rendered":"Most Brits don\u2019t know their credit rating"},"content":{"rendered":"<p>Two thirds of UK adults have not checked their credit report in the last five years, according to a survey by the Money Advice Service.<\/p>\n<p>The research shows that:<\/p>\n<ul>\n<li>97 per cent of people have heard of credit reports but few check their rating<\/li>\n<li>many do not realise what credit reports are used for; 13 per cent thought they are used in criminal record checks<\/li>\n<li>Nine out of 10 people knew that financial companies check credit scores during credit applications<\/li>\n<li>50 per cent did not realise that lenders also make checks when considering phone contracts and rental accommodation applications.<\/li>\n<\/ul>\n<h3>Credit rating checks<\/h3>\n<p>It costs \u00a32 to obtain your Statutory Credit Report from a credit agency. The report will contain information covering the last six years, including:<\/p>\n<ul>\n<li>name, previous and current addresses, date of birth<\/li>\n<li>your current account provider and any overdraft details<\/li>\n<li>a list of any credit and store cards, loans or mortgages you have<\/li>\n<li>details of late or missed payments<\/li>\n<li>public record information, such as County Court Judgments, property repossessions and bankruptcies.<\/li>\n<\/ul>\n<p>If you find any mistakes on your credit report, contact the credit agency to correct it. You can ask for a note to be placed on your file while the errors are being rectified.<\/p>\n<p>In February, James Jones, head of consumer affairs at the credit information agency Experian, said it was &#8220;important that existing or potential borrowers take steps to dealing with mistakes because not doing so could stop them getting the credit they deserve.&#8221;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Two thirds of UK adults have not checked their credit report in the last five years, according to a survey by the Money Advice Service. The research shows that: 97 per cent of people have heard of credit reports but few check their rating many do not realise what credit reports are used for; 13&hellip;&nbsp;<a href=\"https:\/\/my-brains.co.uk\/jackross\/most-brits-dont-know-their-credit-rating\/\" class=\"\" rel=\"bookmark\">Read More &raquo;<span class=\"screen-reader-text\">Most Brits don\u2019t know their credit rating<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"neve_meta_sidebar":"","neve_meta_container":"","neve_meta_enable_content_width":"","neve_meta_content_width":0,"neve_meta_title_alignment":"","neve_meta_author_avatar":"","neve_post_elements_order":"","neve_meta_disable_header":"","neve_meta_disable_footer":"","neve_meta_disable_title":"","neve_meta_reading_time":""},"categories":[12],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.8.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Most Brits don\u2019t know their credit rating - Manchester Chartered Accountants<\/title>\n<meta name=\"description\" content=\"Two thirds of UK adults have not checked their credit report in the last five years, according to a survey by the Money Advice Service. The research shows\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/my-brains.co.uk\/jackross\/most-brits-dont-know-their-credit-rating\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Most Brits don\u2019t know their credit rating - Manchester Chartered Accountants\" \/>\n<meta property=\"og:description\" content=\"Two thirds of UK adults have not checked their credit report in the last five years, according to a survey by the Money Advice Service. 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