Originally Posted by Prospero

My thoughts too.

Silly little innocuous things like this can impact your credit score, such as the submission of multiple credit enquiries over a short period of time. For this reason, I will never allow a vender to run a credit check on me unless I am absolutely committed to an exchange of contract.

I can cite one example where my "heart desires" over-ruled what my "head required" that potentially could have affected my credit rating. It took me 4 attempts to sign up for a iPhone with O2 back in the day when O2 had exclusive rights to this product. O2 could not get my home address as listed in their database to reconcile with the proof of address documents I supplied them with but the young sales agent persisted nonetheless. Its a bane of life and anyone who lives in a tenement building will be very familiar with. After three botched attempts, I called a halt to the sale worried these hits might adversely change the shape of my credit footprint.

Moving house can also do funny things to your credit score - it is possible to inherit a previous occupants bad credit history.