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Does CreditReport.co.uk Change Your Rating?
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In order to verify that the correct person is applying for access to the credit file, they will ask you something from your records that only you are likely to know. Eg - 'Which company do you pay £150 per month to on a personal loan?" In order to access this information, a note of their enquiry will be added to the file.I didn't know credit agencies did do ID checks on people. Are you sure they do?
ONLY enquiries resulting from credit applications will affect your credit rating.
Other enquiries that are carried out for whatever reason are called 'unrecorded enquiries' and they make no difference whatsoever to your score.0
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