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

George Osborne denies fiddling the figures

George Osborne denied that the poor were bearing the brunt of austerity as he defended his mini-budget today.

If you make payments on time your credit score will improve

Money Insider: Consider options before signing up for payday loan

Banks, building societies and credit card companies may be offering attractive borrowing rates at the moment, but if you haven't got a near-perfect credit history, there's a good chance that your application will be declined.

Britain's credit rating is 'not the be all and end all', says Danny Alexander

Britain's credit rating is “not the be all and end all” Liberal Democrat Chief Secretary to the Treasury Danny Alexander has said.

Global bonds climb despite downgrades

The safety of bonds took a hit 12 months ago. But they have proved an essential part of investors' plans

German factories suffer as demand for goods slumps

Germany's economic might showed worrying signs of wilting yesterday as the country reported the biggest collapse in private-sector output in more than three years.

Fears of German recession follow Moody's warning

Germany's economic might showed worrying signs of wilting in the face of Europe's debt crisis yesterday after the biggest collapse for the nation's private sector in more than three years.

The Business Matrix: Saturday 14 July 2012

Italy's credit rating cut by Moody's

Stephen Foley: Patch reporters clearly not connected to AOL’s brain

US Outlook Kudos to the Patch reporter in the audience when Eric Lefkofsky, Groupon's chairman, told a Chicago chamber of commerce meeting that the disaster-prone tech start-up "was like giving a seven-year-old a Ferrari; you're going to get a certain amount of chaos".

EU credit rating reform in tatters

Commissioner Michel Barnier is forced to step back from plans to make bond-issuers rotate agencies

Borrowing blowout highlights Osborne's challenge

A Budget-day borrowing blow for Chancellor George Osborne yesterday underlined the scale of his deficit-cutting task despite slightly better news on growth from his independent forecaster.

Prompt rent payments feature in new credit score

People living in private rented accommodation who pay their rent on time could soon get a boost to their credit rating, following the launch of the Rental Exchange service by Experian.

James Moore: This is Osborne's chance to clamp down on stupidity in the public sector

Outlook Did George Osborne just get a little bit of breathing room? Yesterday's public sector borrowing figures contained some welcome news for the Chancellor. January is traditionally a month in which the Government pays back a bit of what it owes, but the £7.75bn returned to creditors this time around was better than most forecasters had expected and well ahead of the £5.2bn surplus recorded in January 2011.

Leading article: Not much economic wriggle room

The shadow Chancellor claims that Moody's decision to place Britain's triple-A credit rating on "negative outlook" proves that the Government is cutting too far, too fast. Meanwhile, George Osborne insists that the agency's warning shot – suggesting a one-in-three chance of a downgrade to come – is a "reality check" that reinforces his commitment to cutting national debt.

George Osborne defends cuts despite credit rating threat

Chancellor George Osborne defended the Government's austerity package today after Britain was threatened with the loss of its AAA credit rating amid fears over weaker growth prospects and potential shocks from the eurozone crisis.

Market Report: Unlucky 13th for Footsie as Europe rating fears grow

It was all too good to be true.

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Jeremy Paxman has admitted he is a 'one-nation Tory' and complained that Newsnight is made by idealistic '13-year-olds' who foolishly think they can 'change the world'.
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File: David Cameron offers a toast during a State Dinner in his honour March 14, 2012
voicesAnd nobody from Ukip said babies born to migrants should be classed as migrants, says Nigel Farage
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Avatar grossed $2.8bn at the box office after its release in 2009
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Happy in his hat: Pharrell Williams
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Stella Gibson is getting closer to catching her killer
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Homeless Veterans Christmas Appeal: ‘We give them hope. They come to us when no one else can help’

Christmas Appeal

Meet the charity giving homeless veterans hope – and who they turn to when no one else can help
Should doctors and patients learn to plan humane, happier endings rather than trying to prolong life?

Is it always right to try to prolong life?

Most of us would prefer to die in our own beds, with our families beside us. But, as a GP, Margaret McCartney sees too many end their days in a medicalised battle
Thomas Cook's outgoing boss Harriet Green got by on four hours sleep a night - is that what it takes for women to get to the top?

What does it take for women to get to the top?

Thomas Cook's outgoing boss Harriet Green got by on four hours sleep a night and told women they had to do more if they wanted to get on
Christmas jumper craze: Inside the UK factory behind this year's multicultural must-have

Knitting pretty: British Christmas Jumpers

Simmy Richman visits Jack Masters, the company behind this year's multicultural must-have
French chefs have launched a campaign to end violence in kitchens - should British restaurants follow suit?

French chefs campaign against bullying

A group of top chefs signed a manifesto against violence in kitchens following the sacking of a chef at a Paris restaurant for scalding his kitchen assistant with a white-hot spoon
Radio 4 to broadcast 10-hour War and Peace on New Year's Day as Controller warns of cuts

Just what you need on a New Year hangover...

Radio 4 to broadcast 10-hour adaptation of War and Peace on first day of 2015
Cuba set to stage its first US musical in 50 years

Cuba to stage first US musical in 50 years

Claire Allfree finds out if the new production of Rent will hit the right note in Havana
Christmas 2014: 10 best educational toys

Learn and play: 10 best educational toys

Of course you want them to have fun, but even better if they can learn at the same time
Paul Scholes column: I like Brendan Rodgers as a manager but Liverpool seem to be going backwards not forwards this season

Paul Scholes column

I like Brendan Rodgers as a manager but Liverpool seem to be going backwards not forwards this season
Lewis Moody column: Stuart Lancaster has made all the right calls – now England must deliver

Lewis Moody: Lancaster has made all the right calls – now England must deliver

So what must the red-rose do differently? They have to take the points on offer 
Cameron, Miliband and Clegg join forces for Homeless Veterans campaign

Cameron, Miliband and Clegg join forces for Homeless Veterans campaign

It's in all our interests to look after servicemen and women who fall on hard times, say party leaders
Millionaire Sol Campbell wades into wealthy backlash against Labour's mansion tax

Sol Campbell cries foul at Labour's mansion tax

The former England defender joins Myleene Klass, Griff Rhys Jones and Melvyn Bragg in criticising proposals
Nicolas Sarkozy returns: The ex-President is preparing to fight for the leadership of France's main opposition party – but will he win big enough?

Sarkozy returns

The ex-President is preparing to fight for the leadership of France's main opposition party – but will he win big enough?
Is the criticism of Ed Miliband a coded form of anti-Semitism?

Is the criticism of Miliband anti-Semitic?

Attacks on the Labour leader have coalesced around a sense that he is different, weird, a man apart. But is the criticism more sinister?
Ouija boards are the must-have gift this Christmas, fuelled by a schlock horror film

Ouija boards are the must-have festive gift

Simon Usborne explores the appeal - and mysteries - of a century-old parlour game