No, searches can only be made with your permission. Your permission is obtained in various ways. Some lenders obtain permission through a consent clause or declaration on the application form you complete and sign. If you apply for credit over the telephone, you should be informed verbally before you proceed that a credit search will be carried out with one or more of the credit reference agencies. If you apply for credit over the Internet you should be asked to confirm that you consent to the declaration or terms and conditions of the account. Permission is not required under certain circumstances where we are required to provide information to a Government department, or the Police.



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