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Up to 40 per cent have not made key checks on their credit rating or electoral roll entry

Money Insider: Keep a close eye on your credit history

Does your credit record contain the correct information? While many people will have heard of the term credit record, research from credit card provider Aqua shows that less than half of people have checked their own file to see what it contains.

Discover your financial history with a free credit report

More and more people are finding out what their credit standing is so they don't encounter financial difficulties now or in the future.

A credit report details all of your major financial history concerning loans taken out from financial institutions, and is used by them to determine if you're eligible for credit. After all, in trying to work out if you're able to repay a loan, looking back to see if you've abided by the terms of past loan repayment schedules will be the best guide possible.

Money Insider: Find a cheaper alternative to payday loans

We are constantly bombarded by payday loan adverts, on television, online, in newspapers and on billboards, so it's no surprise so many have signed up for this high-cost credit. But just because your credit record isn't up to scratch, it doesn't mean you have to face crippling four-figure payday interest rates, there are cheaper alternatives.

I'm not a celebrity get me out of debt!

While celebrities such as Dionne Warwick, Nicolas Cage and Kerry Katona might be able to end up millions of pounds in debt only to shrug it off and continue in the limelight, we’re not all so lucky.

Special report: Labour to tackle the great rental rip-off

Housing charity warns millions are being forced into debt, and profiteering agents still go unregulated

Money Insider: When did you last take a look at your credit record?

While many people will have heard of the term "credit record", research from one credit card provider revealed that only 48 per cent of people have ever checked their own file to see what it contains.

Money can be all too ready when borrowers use payday lenders

Money Insider: Less talk on payday loans, please. We need action

Payday lending returned on Monday to a place with which it has become very familiar: under the microscope – this time at a London summit.

Debt collection companies can be persistent

When can you blow the whistle on your employer?

Disclosures about the NHS and police have put changes to employment law in the spotlight

Student loans do not show up on your credit reference

Money Insider: So do you know what's on your credit record?

While most people have heard of the term "credit record", research by Aqua credit cards shows that less than half have ever checked their own file.

Hillary Clinton, Joe Biden, FBI chief Robert Mueller, Beyoncé, Jay-Z and Kim Kardashian all victims of online hackers

Some targets had private financial records published online

Cabinet ordered to 'double' efforts to kickstart growth

David Cameron and George Osborne have ordered ministers to do more to kickstart growth amid a Cabinet “blame game” about Britain’s flatlining economy.

Markets set for sterling sell-off after AAA setback for Britain

Analysts expect pound to weaken against dollar and euro in response to Moody's decision

Chancellor George Osborne who insisted Britain would not

AAA rating will take at least 10 years to regain

As the Chancellor tries to make light of Moody's downgrade, Mark Leftly assesses the fallout

George Osborne in Eastleigh last week

Britain's loss of AAA credit rating a 'humiliating blow' to George Osborne, says Ed Balls

The Chancellor George Osborne has been accused of having suffered a “humiliating blow” after Britain was stripped of its AAA credit rating.

Money Insider: Play cards right to end payday loan misery

There are a growing number of credit cards on the market designed to steer some consumers back towards mainstream credit and away from the clutches of payday lenders.

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Prices correct as of 17 October 2014
How could three tourists have been battered within an inch of their lives by a burglar in a plush London hotel?

A crime that reveals London's dark heart

How could three tourists have been battered within an inch of their lives by a burglar in a plush London hotel?
Meet 'Porridge' and 'Vampire': Chinese state TV is offering advice for citizens picking a Western moniker

Lost in translation: Western monikers

Chinese state TV is offering advice for citizens picking a Western moniker. Simon Usborne, who met a 'Porridge' and a 'Vampire' while in China, can see the problem
Handy hacks that make life easier: New book reveals how to rid your inbox of spam, protect your passwords and amplify your iPhone

Handy hacks that make life easier

New book reveals how to rid your email inbox of spam, protect your passwords and amplify your iPhone with a loo-roll
KidZania lets children try their hands at being a firefighter, doctor or factory worker for the day

KidZania: It's a small world

The new 'educational entertainment experience' in London's Shepherd's Bush will allow children to try out the jobs that are usually undertaken by adults, including firefighter, doctor or factory worker
Renée Zellweger's real crime has been to age in an industry that prizes women's youth over humanity

'Renée Zellweger's real crime was to age'

The actress's altered appearance raised eyebrows at Elle's Women in Hollywood awards on Monday
From Cinderella to The Jungle Book, Disney plans live-action remakes of animated classics

Disney plans live-action remakes of animated classics

From Cinderella to The Jungle Book, Patrick Grafton-Green wonders if they can ever recapture the old magic
Thousands of teenagers to visit battlefields of the First World War in new Government scheme

Pupils to visit First World War battlefields

A new Government scheme aims to bring the the horrors of the conflict to life over the next five years
The 10 best smartphone accessories

Make the most of your mobile: 10 best smartphone accessories

Try these add-ons for everything from secret charging to making sure you never lose your keys again
Mario Balotelli substituted at half-time against Real Madrid: Was this shirt swapping the real reason?

Liverpool v Real Madrid

Mario Balotelli substituted at half-time. Was shirt swapping the real reason?
West Indies tour of India: Hurricane set to sweep Windies into the shadows

Hurricane set to sweep Windies into the shadows

Decision to pull out of India tour leaves the WICB fighting for its existence with an off-field storm building
Indiana serial killer? Man arrested for murdering teenage prostitute confesses to six other murders - and police fear there could be many more

A new American serial killer?

Police fear man arrested for murder of teen prostitute could be responsible for killing spree dating back 20 years
Sweetie, the fake 10-year-old girl designed to catch online predators, claims her first scalp

Sting to trap paedophiles may not carry weight in UK courts

Computer image of ‘Sweetie’ represented entrapment, experts say
Fukushima nuclear crisis: Evacuees still stuck in cramped emergency housing three years on - and may never return home

Return to Fukushima – a land they will never call home again

Evacuees still stuck in cramped emergency housing three years on from nuclear disaster
Wildlife Photographer of the Year: Intimate image of resting lions claims top prize

Wildlife Photographer of the Year

Intimate image of resting lions claims top prize
Online petitions: Sign here to change the world

Want to change the world? Just sign here

The proliferation of online petitions allows us to register our protests at the touch of a button. But do they change anything?