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Households with a poor credit rating can pay hundreds of pounds more each year for loans and utilities than people with healthy scores.

If you repay the statement balance in full and on time, it won't cost you a penny – but it demonstrates that you are capable of managing credit.

Third-party information – including members of your family who live, or have lived with you – does not appear on your credit file as long as you don't share any joint financial commitments.

Yorkshire building society has just launched a service in conjunction with Legal &General, which already offers investments through its branch network.

Customers of the service will now have the opportunity to get advice via a secure video link.

Opinions and usage of online dating services also differ widely.