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Do Credit Reference Agencies make lending decisions?
Do Credit Reference Agencies make lending decisions?
Simon avatar
Written by Simon
Updated over a week ago

No – Credit Reference Agencies do not decide whether you are to be given credit. That is the lender’s decision.

Credit Reference Agencies are independent organisations who are data custodians for credit referencing purposes, they play no part in the actual decision-making process and the information they hold is entirely factual – with no opinions about it expressed.

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