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In order to see if you’re eligible for a loan and to provide you with accurate quotes, we will review the details provided on your application form against lending criteria and then use the information held about you by the credit reference agencies to perform a soft search. You’ll see this on your credit file, but no one else will, so it won’t impact your credit score.
This check will include information from the electoral roll, fraud prevention agencies, financial data and other financial associations you have. By getting a quote, you agree that the agencies can release this information to us. If this is a joint application, we’ll also need to check the information held about the other applicant. This will create a financial association, linking your financial records. We will share this information between both applicants. If you decide to progress with your application, we will use this information to help you find a loan.
Ocean Finance may also use your details for data profiling to offer you relevant products. If you don’t want us to do this, email us at: [email protected].