Suspect or inconsistent facts, which may cause applications to be flagged as fraud risks, can include:

Change of employer over a short period;

Differences in spelling of a surname, initial, or date of birth;

Change in driving licence number or a variation in other identification documentation;

The same mobile phone number from more than one applicant;

A substantial change in stated salary over a short period;

Income which is difficult or impossible to verify;

Applicants using details that are apparently from a deceased person

But while the system weeds out many possibly fraudulent applications, legitimate applicants could fall foul of a check for innocent reasons - you might have had a big salary increase, or simply handed over an old mobile to a member of your family. According to a recent National Hunter presentation, to be inconsistent there has to be a clear discrepancy between information provided by the consumer and information found, or not able to be found or verified elsewhere.

So the information you provide could be true, but it will be treated as potentially fraudulent if National Hunter cannot find enough information to check what you say. But if you question the rejection, banks will generally send a standard letter pointing you to one or more of the three credit agencies.

Have you credit checked yourself

Yes thats fine, this is further down the rabbit hole than a credit check

http://www.experian.co.uk/identity-and-fraud/fraud-prevention/hunter.html

This is experian listing their service and how they obtain data for National Hunter. Take note of 'device intelligence'

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Thats right when you apply for credit via it by your phone or laptop, computer software is scanning your device to decide if you can have credit or not, and you'd never even know....

Exactly, try and do the right thing in life and computer says no. Well it hasnt said no yet but what if when i apply the software sees i still use prodigits and thinks we're not borrowing money to that freak

Yeah that goes stuff goes on your credit file. This national hunter is a seperate report, it checks your devices IP address and stuff. Plus also it cross references old credit applications. So say for instance you have a big rise since a previous application ie last year you earned 30k now this year you're earning 60k, the software can just assume you're lying and put a black mark against your name

These things are great if they work. And as long as they're not crossing moral lines. The problem is that different people live different lives.

I had to go to the bank today because my online banking hasn't been working on my laptop. My bank manager was quite keen for me to have the app on my phone, but i told him that isn't gonna happen, i do not and will not do banking on my phone. I get the feeling this is the sort of thing that can go against me, but i think that'd be stupid.

'Across multiple unrelated accounts' i.e snooping through your facebook etc