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Marks and Spencer
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You must be extremely lucky because most banks will credit check and ID check you (not a hard search) on either Experian, Equifax or CallCredit (Noodle), and sometimes two of them. This is irrespective of whether you apply for an overdraft and is clearly also mentioned on MSE guidance. It would be wrong to mislead applicants into thinking that it would only be a soft search.0
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