Last comment from me on this...…..how many of you have credit cards, loyalty cards, smart phones, flat screen HD TV's, or have ever had a loan or requested a loan for anything at all, including mortgages, cars, bikes etc etc? Your data is out there already and freely available on the internet, and have any of you ever read your full credit check? The level of detail on there is stunning. People on here regularly use ebay, Gumtree, Amazon and do on line shopping and banking. I think you are all too late in joining the ranks of the paranoid. The world has changed and will continue to do so, it's called evolution and it is how we all come to be here.