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

The brightest fashion trends for spring 2010

The style industry hasn't had a good recession so far – and yet the demand for fresh design remains as intense as ever. Introducing 15 new trends for spring 2010, Susannah Frankel explains why the fashion fightback starts here

Beginner's guide to...Improving your credit score

Unless you have been living in a cave, you'll know it has become much harder to borrow money, whether it is a loan, a credit card or mortgage. Lenders look at your credit score when deciding whether or not to lend you cash, and that's based on your borrowing history. So how can you polish up your rating in order to qualify for the best possible deals?

Greece's debt rating cut by Moody's

Moody's Investors Service cut Greece's debt rating yesterday but partially reassured financial markets by saying that the country remained far from a crisis, igniting a rally in Greek bonds and bank stocks.

Moody's lifts UK's credit rating gloom – for now

Britain's credit rating is secure for now but could be cut if the Government fails to show it can rebuild the public finances by 2013, Moody's said yesterday, in the first public statement from a major credit rating agency since Wednesday's pre-Budget report.

Julian Knight: Penalised for checking your credit? That's not fair

I have always found it an injustice that those who look to shop around for a loan, credit card or mortgage actually risk damaging their credit rating in the process. It goes like this – each time a potential lender checks out your credit file it leaves a trace. If the consumer is turned down – for whatever reason – the trace turns into a great big muddy mark and, in these straitened lending times, this can be enough to bar the individual from accessing credit elsewhere.

Spotlight: Nationwide Exclusive Personal Loan

Lenders are increasingly only offering their best rates to existing customers – and Nationwide Building Society has followed the trend. It is offering the market-leading unsecured personal loan rate at 7.7 per cent, but you can only apply if you have a FlexAccount – Nationwide's current account.

The 90% loan is back, but that doesn't mean first timers can get one

The good news is prices are down. The bad is that finance is still tough to get. Alessia Horwich and Julian Knight advise on what options are available

Small businesses find credit scarce and dear

Businesses are finally finding it easier to get credit, though they are having to pay more for it, the Confederation of British Industry has said.

Don't get footprints all over your credit rating – select the right lender before you apply

Credit has never been so difficult to obtain and tight conditions have meant that many lenders are only willing to deal with an elite group of people who have almost perfect credit histories and an easily provable income stream.

02 targets teens to open up cash card market

The mobile phone giant is entering the world of personal finance with its new prepaid cash cards. Simon Read asks if they will shake up the market

Lenders report rise in mortgage application fraud

Lenders are reporting a rise in mortgage application fraud as consumers try to get around their tight lending criteria, a trade body said today.

What credit card 'tarts' should do next

Lenders seem increasingly reluctant to give customers with imperfect credit ratings their best balance transfer cards. But what if you’ve come to rely on shifting debt between 0% deals?

Cautious lenders put balance transfers on ice

Lenders are still being cautious after research from price comparison service uSwitch.com shows that at least one in 10 consumers have had a credit card application rejected in the past year.

Drax raises £108m in new shares to fight debt

By Sarah Arnott

Sam Dunn: 'Should our credit rating haunt us?'

House Doctor
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Russell Brand was in typically combative form during his promotional interview with Newsnight's Evan Davis
peopleReports that Brand could stand for Mayor on an 'anti-politics' ticket
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The clocks go forward an hour at 1am on Sunday 30 March
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Arts and Entertainment
The Doctor finds himself in a forest version of London in Doctor Who episode 'In the Forest of the Night'
TVReview: Is the Doctor ever going stop frowning? Apparently not.
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Voluminous silk drawers were worn by Queen Victoria
newsThe silk underwear is part of a growing trade in celebrity smalls
Sport
footballMatch report: Real fight back to ruin Argentinian's debut
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Candidates with surnames that start with an A have an electoral advantage
newsVoters are biased towards names with letters near start of alphabet
Arts and Entertainment
Isis with Lord Grantham (Hugh Bonneville)
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Arts and Entertainment
Jay James
TVReview: Performances were stale and cheesier than a chunk of Blue Stilton left out for a month
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Berlin, Dresden, Meissen & Colditz
Prices correct as of 17 October 2014
Wilko Johnson, now the bad news: musician splits with manager after police investigate assault claims

Wilko Johnson, now the bad news

Former Dr Feelgood splits with manager after police investigate assault claims
Mark Udall: The Democrat Senator with a fight on his hands ahead of the US midterm elections

Mark Udall: The Democrat Senator with a fight on his hands

The Senator for Colorado is for gay rights, for abortion rights – and in the Republicans’ sights as they threaten to take control of the Senate next month
New discoveries show more contact between far-flung prehistoric humans than had been thought

New discoveries show more contact between far-flung prehistoric humans than had been thought

Evidence found of contact between Easter Islanders and South America
Cerys Matthews reveals how her uncle taped 150 interviews for a biography of Dylan Thomas

Cerys Matthews on Dylan Thomas

The singer reveals how her uncle taped 150 interviews for a biography of the famous Welsh poet
DIY is not fun and we've finally realised this as a nation

Homebase closures: 'DIY is not fun'

Homebase has announced the closure of one in four of its stores. Nick Harding, who never did know his awl from his elbow, is glad to see the back of DIY
The Battle of the Five Armies: Air New Zealand releases new Hobbit-inspired in-flight video

Air New Zealand's wizard in-flight video

The airline has released a new Hobbit-inspired clip dubbed "The most epic safety video ever made"
Pumpkin spice is the flavour of the month - but can you stomach the sweetness?

Pumpkin spice is the flavour of the month

The combination of cinnamon, clove, nutmeg (and no actual pumpkin), now flavours everything from lattes to cream cheese in the US
11 best sonic skincare brushes

11 best sonic skincare brushes

Forget the flannel - take skincare to the next level by using your favourite cleanser with a sonic facial brush
Paul Scholes column: I'm not worried about Manchester United's defence - Chelsea test can be the making of Phil Jones and Marcos Rojo

Paul Scholes column

I'm not worried about Manchester United's defence - Chelsea test can be the making of Jones and Rojo
Frank Warren: Boxing has its problems but in all my time I've never seen a crooked fight

Frank Warren: Boxing has its problems but in all my time I've never seen a crooked fight

While other sports are stalked by corruption, we are an easy target for the critics
Jamie Roberts exclusive interview: 'I'm a man of my word – I'll stay in Paris'

Jamie Roberts: 'I'm a man of my word – I'll stay in Paris'

Wales centre says he’s not coming home but is looking to establish himself at Racing Métro
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?