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Your credit score can only be affected if you submit a full application to us. Getting a rate estimate is not the same as submitting an application, and so your credit score will not be affected.
When you obtain a rate estimate with us we access your credit file in a way that is not disclosed to anyone else, other than yourself. This is called 'file access', and is different to the 'full credit enquiry' that lenders can complete when you apply for a loan.
Importantly, if other credit providers subsequently look at your file, they will not be able to see that we have accessed your file. They will not know that you’ve received a rate estimate from us.
Only you will see that we have accessed your file as part of a rate estimate, and you may be alerted to this if you subscribe to a credit reporting body that notifies you of changes to your file.