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This means decisions are instant, but also inflexible.

If you're thinking of applying for a mortgage, loan or any other form of credit first look at these all-too-easy mistakes you could make that could damage your file and result in rejection.

Borrowers may only discover their records are incorrect once they have been turned down.

Lenders use automated credit scoring systems to assess anyone who applies for a financial product.

Joanne Smith, a beauty therapist from Southampton, checked her credit file after she had been repeatedly rejected by lenders for a loan.

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