Half of UK adults claim to have a great credit history – but have never checked their credit report so may be overestimating their creditworthiness Many misunderstand the factors that do and don’t affect credit ratings   London, UK. 27 February 2015: One in two UK adults (47%) is an “IOU Ostrich” –  believing themselves to have a strong credit history, but burying their head in the sand when it comes to understanding the reality, running a real risk of…