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.
Even an accurate entry on your credit file, such as a missed payment, can turn into errors.
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A word to the wise: this makes it way, way scarier than Tinder and yet somehow more exciting.
Best for private encounters: Tingle (i OS, free) Tingle lets you talk or text without revealing a name and number.
Over the years, Telegraph Money has reported on credit history nightmares including cases of mistaken identity and missed payments that won't disappear.
Best for long-distance relationships: Between (i OS/Android, free) Between offers a private vault for storing and sharing memories with someone special.The ECOA forbids credit discrimination on the basis of race, color, religion, national origin, sex, marital status, age, or whether you receive income from a public assistance program.Creditors may ask you for most of this information in certain situations, but they may not use it as a reason to deny you credit or to set the terms of your credit. Everyone who participates in the decision to grant credit or in setting the terms of that credit, including real estate brokers who arrange financing, must comply with the ECOA.Specify your height, relationship level and a pic or two, and the app finds potential partners nearby without pinpointing a location.Once you’ve winked at someone and the feeling is mutual, the lines of communication are well and truly open.