To ask the Chancellor of the Exchequer, what estimate his Department has made of the number of people who have (a) no credit record, (b) an insufficient credit record and (c) no recent credit history.

The Government does not hold information on the number of people who have limited or no credit history on their credit files.

However, the Financial Conduct Authority (FCA) recently published an interim report on its Credit Information Market Study, which may include information and insights relevant to this question. It can be found at: https://www.fca.org.uk/publications/market-studies/ms19-1-credit-information-market-study