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Certain information about you and any existing credit agreements is held by a credit reference agency. A credit provider will check this information before deciding whether to lend you money.
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A credit check is the process carried out by a prospective lender to find out about your credit history and your current credit standing. In other words, how risky you are as a borrower.
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Your credit record is affected by your behaviour - ie whether you always pay bills on time and keep agreement you're signed up to.
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