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?

The world is richer than it used to be, but do you feel it? Taking into account both wealth and income (and factoring in inflation) how do you think you stand compared with your parents? Are you richer than your parents were AT THE SAME AGE?