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http://www.moneysavingexpert.com/loans/credit-rating-credit-score
Look at this article - its is explained under the heading Fraud scoring the hidden credit killer, its about spotting anomolies on your applications, not sure they have a true blacklist but certainly lenders use it to see if you are giving them vastly different info than you have to other lenders.A smile enriches those who receive without making poorer those who giveor "It costs nowt to be nice"0
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