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Comparison sites and credit checks

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Just been declined a loan due to poor credit!

This baffled me as I simply haven't. No debt, no non payments etc etc etc!

Got an experian trial and it comes up as poor. 15 credit checks against me this month. All from random insurance companies off go compare etc. No other negative things against me, just these credit checks.

Don't companies have to have your permission before credit checking you?

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