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When you apply for a product, it isn't just a case of assessing whether you're desirable, but also checking that the application is legitimate. Therefore, as well as the credit reference agencies, lenders also use completely separate anti-fraud agencies to try and weed out problems. The two big ones work in very different ways
http://www.moneysavingexpert.com/loans/credit-rating-credit-score0 -
I have the utmost respect for CIFAS, they are transparrent and dont hide who they are are what they do. They are also accountable and accept it when they make a mistake. They also answer queiries and theyare regulated by the FSA0
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