Fuzzy Matching

What is Fuzzy Matching?

Fuzzy Matching is used by lenders and Credit Reference Agencies to assess whether the information they’ve been provided and the information on your Credit Report are saying the same thing when they don’t match perfectly.

This means that if the name, date of birth or address you’ve provided aren’t exactly the same as they appear on your Credit Report, the system assessing your application may still allow it to go ahead if it decides it’s close enough.

Fuzzy Matching is a concept used widely in the field of computer science using many of the same principles, looking for patterns in information for the purpose of matching estranged data.


Q: Are there any limitations?

A: In some circumstances Fuzzy Matching can lead to your payment history appearing on someone else’s Credit Report, or someone else’s appearing on your own. In most cases this happens as a result of people with the same or very similar names or date of birth living at the same address. For that reason, this can occur with twins or triplets.

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