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New figures from the research firm Credit Confidential show that British people, in addition to deteriorating conditions and affordability in household incomes and prices, are finding it increasingly hard to obtain credit.  Credit confidential runs an index, and based on this index the level of credit obtained by UK households, reduced significantly by over 10 % to an index score of  19 for the first quarter of 2011. In turn this figure of 19 is well below the long-term average of 50.