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Six million Britons have had their identity stolen, according to a new survey by npower - almost 44 times as many of us as official figures had previously suggested. But don't panic - there are some simple precautions that can keep you safe.
If you're refused credit, a loan or mortgage, don't panic - you aren't on a credit blacklist. In fact there's no such thing. But to improve your chances of being accepted in the future you do need to know what process lenders follow when deciding whether to make you an offer, and the important role your credit report plays.
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