When did you last check your credit file?

11 January 2016

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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?

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 agency		73 votes (27%)
In the last three months – at two or three agencies		50 votes (19%)
In the last year – at one agency		26 votes (10%)
In the last year – at two or three agencies		2 votes (1%)
In the last three years – at one agency		13 votes (5%)
In the last three years – at two or three agencies		1 votes (0%)
In the last 10 years – at one agency		3 votes (1%)
In the last 10 years – at two or three agencies		0 votes (0%)
I’ve never checked my file/I haven’t in the last 10 years		98 votes (37%)

I’m a woman aged under 25 (225 votes)

In the last three months – at one agency		44 votes (20%)
In the last three months – at two or three agencies		23 votes (10%)
In the last year – at one agency		30 votes (13%)
In the last year – at two or three agencies		5 votes (2%)
In the last three years – at one agency		18 votes (8%)
In the last three years – at two or three agencies		4 votes (2%)
In the last 10 years – at one agency		3 votes (1%)
In the last 10 years – at two or three agencies		0 votes (0%)
I’ve never checked my file/I haven’t in the last 10 years		98 votes (44%)

I'm a man aged 25 to 34 (1074 votes)

In the last three months – at one agency		291 votes (27%)
In the last three months – at two or three agencies		121 votes (11%)
In the last year – at one agency		108 votes (10%)
In the last year – at two or three agencies		34 votes (3%)
In the last three years – at one agency		120 votes (11%)
In the last three years – at two or three agencies		28 votes (3%)
In the last 10 years – at one agency		62 votes (6%)
In the last 10 years – at two or three agencies		6 votes (1%)
I’ve never checked my file/I haven’t in the last 10 years		304 votes (28%)

I’m a woman aged 25 to 34 (1039 votes)

In the last three months – at one agency		233 votes (22%)
In the last three months – at two or three agencies		63 votes (6%)
In the last year – at one agency		87 votes (8%)
In the last year – at two or three agencies		29 votes (3%)
In the last three years – at one agency		134 votes (13%)
In the last three years – at two or three agencies		26 votes (3%)
In the last 10 years – at one agency		87 votes (8%)
In the last 10 years – at two or three agencies		11 votes (1%)
I’ve never checked my file/I haven’t in the last 10 years		369 votes (36%)

I'm a man aged 35 to 49 (1770 votes)

In the last three months – at one agency		351 votes (20%)
In the last three months – at two or three agencies		135 votes (8%)
In the last year – at one agency		122 votes (7%)
In the last year – at two or three agencies		47 votes (3%)
In the last three years – at one agency		162 votes (9%)
In the last three years – at two or three agencies		39 votes (2%)
In the last 10 years – at one agency		171 votes (10%)
In the last 10 years – at two or three agencies		52 votes (3%)
I’ve never checked my file/I haven’t in the last 10 years		691 votes (39%)

I’m a woman aged 35 to 49 (2219 votes)

In the last three months – at one agency		337 votes (15%)
In the last three months – at two or three agencies		102 votes (5%)
In the last year – at one agency		142 votes (6%)
In the last year – at two or three agencies		44 votes (2%)
In the last three years – at one agency		208 votes (9%)
In the last three years – at two or three agencies		50 votes (2%)
In the last 10 years – at one agency		235 votes (11%)
In the last 10 years – at two or three agencies		37 votes (2%)
I’ve never checked my file/I haven’t in the last 10 years		1064 votes (48%)

I'm a man aged 50 to 64 (1818 votes)

In the last three months – at one agency		261 votes (14%)
In the last three months – at two or three agencies		53 votes (3%)
In the last year – at one agency		77 votes (4%)
In the last year – at two or three agencies		23 votes (1%)
In the last three years – at one agency		107 votes (6%)
In the last three years – at two or three agencies		22 votes (1%)
In the last 10 years – at one agency		153 votes (8%)
In the last 10 years – at two or three agencies		20 votes (1%)
I’ve never checked my file/I haven’t in the last 10 years		1102 votes (61%)

I’m a woman aged 50 to 64 (2303 votes)

In the last three months – at one agency		212 votes (9%)
In the last three months – at two or three agencies		51 votes (2%)
In the last year – at one agency		79 votes (3%)
In the last year – at two or three agencies		25 votes (1%)
In the last three years – at one agency		134 votes (6%)
In the last three years – at two or three agencies		35 votes (2%)
In the last 10 years – at one agency		215 votes (9%)
In the last 10 years – at two or three agencies		28 votes (1%)
I’ve never checked my file/I haven’t in the last 10 years		1524 votes (66%)

I'm a man aged 65+ (1317 votes)

In the last three months – at one agency		136 votes (10%)
In the last three months – at two or three agencies		34 votes (3%)
In the last year – at one agency		34 votes (3%)
In the last year – at two or three agencies		4 votes (0%)
In the last three years – at one agency		42 votes (3%)
In the last three years – at two or three agencies		10 votes (1%)
In the last 10 years – at one agency		91 votes (7%)
In the last 10 years – at two or three agencies		11 votes (1%)
I’ve never checked my file/I haven’t in the last 10 years		955 votes (73%)

I’m a woman aged 65+ (920 votes)

In the last three months – at one agency		72 votes (8%)
In the last three months – at two or three agencies		9 votes (1%)
In the last year – at one agency		15 votes (2%)
In the last year – at two or three agencies		5 votes (1%)
In the last three years – at one agency		27 votes (3%)
In the last three years – at two or three agencies		8 votes (1%)
In the last 10 years – at one agency		61 votes (7%)
In the last 10 years – at two or three agencies		12 votes (1%)
I’ve never checked my file/I haven’t in the last 10 years		711 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.