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by high-street lenders, it’s helpful to know if you are on ‘The Road To Good Credit’. Creditworthiness varies by gender, age and where you live. Other personal circumstances also play a role in determining whether you’ll be approved for credit. Key research findings from the Mind the Credit Gap Report of 2012 show that people from all walks of life find getting credit difficult: - 34% of people in full-time employment often find it hard to access credit - Of those earning £50,000, 32% struggle to get credit - 82% of 18-24-year-olds don’t meet standard lending criteria - 7 in 10 people don’t know their credit score.