When did you last check your credit file?MoneySaving Poll Results

Souk

Your credit file can dictate not just whether you get mortgages, credit card deals, contract mobile phones or cheap energy tariffs, but sometimes even the rate.

A small error on your files at credit reference agencies Experian, Equifax or Callcredit can cause havoc, so checking your file is important.

When did you last check your credit file?

Results

I'm a man aged under 25 (266 votes)
In the last three months – at one agency73 votes (27%)
In the last three months – at two or three agencies50 votes (19%)
In the last year – at one agency26 votes (10%)
In the last year – at two or three agencies2 votes (1%)
In the last three years – at one agency13 votes (5%)
In the last three years – at two or three agencies1 votes (0%)
In the last 10 years – at one agency3 votes (1%)
In the last 10 years – at two or three agencies0 votes (0%)
I’ve never checked my file/I haven’t in the last 10 years98 votes (37%)
I’m a woman aged under 25 (225 votes)
In the last three months – at one agency44 votes (20%)
In the last three months – at two or three agencies23 votes (10%)
In the last year – at one agency30 votes (13%)
In the last year – at two or three agencies5 votes (2%)
In the last three years – at one agency18 votes (8%)
In the last three years – at two or three agencies4 votes (2%)
In the last 10 years – at one agency3 votes (1%)
In the last 10 years – at two or three agencies0 votes (0%)
I’ve never checked my file/I haven’t in the last 10 years98 votes (44%)
I'm a man aged 25 to 34 (1074 votes)
In the last three months – at one agency291 votes (27%)
In the last three months – at two or three agencies121 votes (11%)
In the last year – at one agency108 votes (10%)
In the last year – at two or three agencies34 votes (3%)
In the last three years – at one agency120 votes (11%)
In the last three years – at two or three agencies28 votes (3%)
In the last 10 years – at one agency62 votes (6%)
In the last 10 years – at two or three agencies6 votes (1%)
I’ve never checked my file/I haven’t in the last 10 years304 votes (28%)
I’m a woman aged 25 to 34 (1039 votes)
In the last three months – at one agency233 votes (22%)
In the last three months – at two or three agencies63 votes (6%)
In the last year – at one agency87 votes (8%)
In the last year – at two or three agencies29 votes (3%)
In the last three years – at one agency134 votes (13%)
In the last three years – at two or three agencies26 votes (3%)
In the last 10 years – at one agency87 votes (8%)
In the last 10 years – at two or three agencies11 votes (1%)
I’ve never checked my file/I haven’t in the last 10 years369 votes (36%)
I'm a man aged 35 to 49 (1770 votes)
In the last three months – at one agency351 votes (20%)
In the last three months – at two or three agencies135 votes (8%)
In the last year – at one agency122 votes (7%)
In the last year – at two or three agencies47 votes (3%)
In the last three years – at one agency162 votes (9%)
In the last three years – at two or three agencies39 votes (2%)
In the last 10 years – at one agency171 votes (10%)
In the last 10 years – at two or three agencies52 votes (3%)
I’ve never checked my file/I haven’t in the last 10 years691 votes (39%)
I’m a woman aged 35 to 49 (2219 votes)
In the last three months – at one agency337 votes (15%)
In the last three months – at two or three agencies102 votes (5%)
In the last year – at one agency142 votes (6%)
In the last year – at two or three agencies44 votes (2%)
In the last three years – at one agency208 votes (9%)
In the last three years – at two or three agencies50 votes (2%)
In the last 10 years – at one agency235 votes (11%)
In the last 10 years – at two or three agencies37 votes (2%)
I’ve never checked my file/I haven’t in the last 10 years1064 votes (48%)
I'm a man aged 50 to 64 (1818 votes)
In the last three months – at one agency261 votes (14%)
In the last three months – at two or three agencies53 votes (3%)
In the last year – at one agency77 votes (4%)
In the last year – at two or three agencies23 votes (1%)
In the last three years – at one agency107 votes (6%)
In the last three years – at two or three agencies22 votes (1%)
In the last 10 years – at one agency153 votes (8%)
In the last 10 years – at two or three agencies20 votes (1%)
I’ve never checked my file/I haven’t in the last 10 years1102 votes (61%)
I’m a woman aged 50 to 64 (2303 votes)
In the last three months – at one agency212 votes (9%)
In the last three months – at two or three agencies51 votes (2%)
In the last year – at one agency79 votes (3%)
In the last year – at two or three agencies25 votes (1%)
In the last three years – at one agency134 votes (6%)
In the last three years – at two or three agencies35 votes (2%)
In the last 10 years – at one agency215 votes (9%)
In the last 10 years – at two or three agencies28 votes (1%)
I’ve never checked my file/I haven’t in the last 10 years1524 votes (66%)
I'm a man aged 65+ (1317 votes)
In the last three months – at one agency136 votes (10%)
In the last three months – at two or three agencies34 votes (3%)
In the last year – at one agency34 votes (3%)
In the last year – at two or three agencies4 votes (0%)
In the last three years – at one agency42 votes (3%)
In the last three years – at two or three agencies10 votes (1%)
In the last 10 years – at one agency91 votes (7%)
In the last 10 years – at two or three agencies11 votes (1%)
I’ve never checked my file/I haven’t in the last 10 years955 votes (73%)
I’m a woman aged 65+ (920 votes)
In the last three months – at one agency72 votes (8%)
In the last three months – at two or three agencies9 votes (1%)
In the last year – at one agency15 votes (2%)
In the last year – at two or three agencies5 votes (1%)
In the last three years – at one agency27 votes (3%)
In the last three years – at two or three agencies8 votes (1%)
In the last 10 years – at one agency61 votes (7%)
In the last 10 years – at two or three agencies12 votes (1%)
I’ve never checked my file/I haven’t in the last 10 years711 votes (77%)

                   12,951 votes received.

We try to use technology to limit voting to one per person. Occasionally, this may erroneously block a few people's votes (eg, from shared offices). Apologies for that.