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A credit report provides us with the information about you that is held by the Credit Reporting Bodies (CRB), and it may influence your creditworthiness. We may use this information to assess your application for credit.
 
To enable us to verify your identity, we may disclose your name, date of birth and residential address to a CRB for the purpose of confirming whether that personal information matches information the CRB may hold.
 
We may disclose to a CRB if you fail to meet your payment obligations in relation to consumer credit, or if you have committed fraud or other serious credit infringement.