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Customers searching online banks for the best deal available are being warned that they could be credit checked without knowing it.The Telegraph newspaper reports that Emma Heywood, a 28-year-old civil servant from south London, discovered that Cahoot, the online bank that is part of Abbey National, had run a credit check on her as she researched her options for a personal loan on the internet. Ms Heywood claims she had not submitted a completed application for the loan when the credit check was made.”It’s disgraceful,” she said. “I did not think they would perform a credit check if you had not gone through with the application. There is a broader issue here about protecting consumers from this; it is not fair to put them in this position. Cahoot’s system needs redesigning so the credit check is not made until you finally submit the application.”Any credit check leaves a “footprint” behind with credit reference agencies and, if a large number of footprints appear on a record, consumers’ credit ratings can be affected.