We may search and share your personal information (for example name, address, date of birth, details of any shared credit, and financial history) and that of your financial associates, with credit reference agencies to process your application, verify your identity and assess your suitability for an account or product. We may also search the Electoral Register and other public sources. If you are providing information about others, it is important that you tell them about this and that they know that a search may be carried out on them.
In order to assess your application and arrive at a decision, we may perform a credit reference agency search; this will not be visible to other providers and is known as an unrecorded entry search. This will take into consideration three areas; information you provide today, information we already hold about you and information we obtain from external credit reference agencies.