Identity verification
Fraud, identity & securityA process lenders use to confirm you are who you say you are.
Overview
Verification often uses address history, electoral roll data, and credit file information.
It helps prevent fraud and ensures applications are genuine.
Why it matters
- It can affect how smoothly applications are processed.
- Mismatched details can cause delays or declines.
- Consistent address history supports verification.
FAQs
Does identity verification affect my score?
No. It is usually a soft check and does not change your score.
What can cause identity checks to fail?
Address mismatches, missing electoral roll data, or inconsistent personal details.
Related terms
Take control of your credit health
Get the complete credit toolkit — all features included.
Start building creditInstant setup. No credit check. Cancel anytime.