SMARTY doesn't use credit checks but your credit file is often used by organisations and businesses to identify your reliability for credit. However, your credit file can also be a great tool to ensure you've not been a victim of fraud.
You can find out more about your credit file and how it can help you, or sign up to see your credit report by visiting:
CIFAS is a United Kingdom-based fraud prevention service. For a fee, CIFAS Protective Registration reduces your risk of becoming a victim of identity fraud. More details can be found here: https://www.cifas.org.uk/pr_for_individuals