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Credit reference agencies don’t make lending decisions, thats up to lenders themselves. Lenders will check the information within your report along with other information such as items from your application and they will come up with their own score which is totally independent of the score you are given by the credit reference agencies. Getting a low score from a credit reference agency does not necessarily mean you won’t get a mortgage and getting a high score from a credit reference agency does not necessarily mean you will get a mortgage.