Applying under UKM: Credit check required?

[Bobomo]

I am preparing my submission of form UKM. Like most American adults, I was likely affected by the large Equifax credit reporting agency hack , and so I have frozen my credit reports. I'm wondering if the HO will require access to the reports in order to process my application.

[alterhase58]

There are more credit reference agencies operating than the one you subscribe to - and we don't know what "credit checks" the UKVI does carry out. They will certainly be able to check up on you in some way.