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Despite the critical importance of a person's credit record in their capacity to lend cash and obtain accessible financing, only a fourth (26 per cent) of UK citizens know what their creditworthiness is and less than one in four (39 per cent) have verified it in the past, as recent Barclaycard research shows.

Among those who do not know their creditworthiness, almost a third (30 percent) believe that their credit histories are good, that they do not need to verify them, a fourth (26 percent) do not want to make payments to gain recourse to them, and one in five (19 percent) do not see the importance of it.

Every twentieth (4 percent) is so afraid that his evaluation would be poor that he prefers not to know. Among those who verified their creditworthiness, application for a mortgages was the main driving force (22 percent), followed by presumed fraud/identity thievery ( 21 percent) and general interest (21 percent).

The study by the UK's premier credit cards company, however, shows that there is still considerable uncertainty about the effect of creditworthiness. More than half (54 percent) of respondents mistakenly believe that the absence of a municipal rate can have a significant influence on their valuation, and almost one third (31 percent) fear needlessly that their partners or spouses who do not receive a mortgage in their own name will necessarily have a significant influence on their valuation.

For Barclaycard clients who access their Experian Credit Score1 through their Accounts Manager Services, they can see how their finance managements affect their ratings and how they change over the years. In addition, there are a number of useful tricks and advice to help you get, increase or get your score.

It will be available to both current and new clients and is completely free. Clients can retrieve their results as often as they want, and at the beginning of next year they will also be available on the road when they are integrated into the Barclaycard Accounts Manager application. Doing so will allow you to check it before you apply for a credit to fund a major purchase such as a automobile, a homeowner' s policy or a home loans.

In regional terms, the inhabitants of Belfast, London and Edinburgh are most likely to know their creditworthiness, while those in Glasgow, Manchester and Sheffield are least likely. Among those who did not review their ratings, a fourth (24 per cent) of respondents in Northern Ireland and a fifth (18 per cent) in Wales felt that their ratings would be poor or very poor.

Twothirds of Southeast Europeans (65 percent) consider their creditworthiness good or outstanding. "Everybody should take the initiative to administer and evaluate their creditworthiness - not only is it an important decision whether you can get a home or a credit or debit or credit cards, but it can also influence your ability to get a much broader array of goods and support options, such as wireless plans, personal auto policies, banking and more.

"Clients have said that they recognize the importance of their creditworthiness, but for various purposes only one in ten of them checks it regular. Through our partnership with Experian and as the first UK franchise to provide our clients with totally free credit we hope to solve some of the puzzles surrounding creditworthiness and help our clients better theirs.

The 1Experian Credit Score offers individuals a quick picture of their credit standing, refreshed every 60 working days and divided into five categories: good, equitable, bad or very bad.