Do you use Credit Reference Agencies?

As part of our application process we have used data supplied to us by a credit reference agency (the "CRA"). In considering your application we will use your personal information from your application and from the CRA to make decisions about you. We may use credit scoring. The CRA may add details of our searches and your application to their records about you. This information may be made available to other organisations that perform searches on you at the CRA.

Information held about you at the CRA may already be linked to records relating to one or more of your partners. This is called an "association" and for the purpose of your application and this agreement, you may be treated as financially linked and assessed with reference to any associated records.

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