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If you're thinking of applying for a mortgage, loan or any other form of credit first look at these all-too-easy mistakes you could make that could damage your file and result in rejection.

Errors on your credit file could mean you are repeatedly rejected for a loan, mortgage or credit card.

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Joanne Smith, a beauty therapist from Southampton, checked her credit file after she had been repeatedly rejected by lenders for a loan.It turned out that another Joanne Smith held a mortgage with Nationwide Building Society, and both Miss Smith and her partner had a number of debts against their name.

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