When you joined Starling, to help us understand a little more about you, we asked your permission to carry out a soft credit check (quotation search) which allows us to understand how much credit you can afford to take. Since then we’ve got to know you better - as part of this we are able to refresh this view based on your financial behaviours. All this means that we can let you know in advance how much we can lend you when you need it. However, there may be occasions where we need to undertake a more detailed credit check but rest assured, where we do, we’ll ask your permission first.