Julia Kagan is a financial/consumer journalist and former senior editor, personal finance, of Investopedia. Investopedia / Matthew Collins Reference numbers commonly include random numbers or letters ...

A reference file works only to store information in one format that will then translate into different formats. Every alteration you make to the reference file will then also appear in the base data.

With a background in financial journalism across national titles, Ruby loves helping people take control of their money and specialises in pensions, tax, banking and benefits. A UTR number is your ...