The short answer
Contact the bureau and the listed provider to investigate possible error or fraud.
What this means for you
A lender may use a consented credit check alongside affordability information. No website or agent can promise approval from a score alone.
For a government employee, your exact position, income, existing repayments and the lender’s programme rules can affect the outcome. Check the complete offer and ask the lender to explain anything you do not understand before accepting credit.
Frequently asked questions
What if I do not recognise an account on my report?
Contact the bureau and the listed provider to investigate possible error or fraud.
Does working for government guarantee approval?
No. The lender still checks its employer rules, credit information and affordability.
Where can I confirm the terms that apply to me?
The lender’s written quotation and credit agreement will set out the rate, fees, term and total repayable.
Further reading: National Credit Regulator. Source pages describe general rules or lender processes; individual circumstances can differ.