A hard search will be recorded on your credit file when you apply for finance. We’ll perform credit and identity checks on you with one or more credit reference agencies (“CRAs”) including Equifax,
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Open Banking lets lenders check your finances responsibly, gives you faster decisions, removes the need to send bank statements, helps if you have limited credit history, keeps you in control of what
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Yes, Open Banking is safe because it’s fully regulated by the Financial Conduct Authority (FCA), backed by the UK Government, and uses secure, encrypted systems that require you to verify your
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This will depend on the retailer. Some retailers are only able to deliver items to your home address - this is a measure that is taken to safeguard against fraudulent applications. Other retailers may
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You can use Open Banking if you already use online or mobile banking, and your bank supports Open Banking. To find out more information on open banking, you can review our guide to open banking. Need
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