ExperianExpert Neil
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CRA - there is more than they show us
ExperianExpert Neil replied to catquest's topic in Credit Reference Agencies
Hi Brigadier!The standard £10 fee for the Subject Access Request would apply. Or £2.00 for the statutory credit report.Regards Neil -
CRA - there is more than they show us
ExperianExpert Neil replied to catquest's topic in Credit Reference Agencies
Hi Catquest, When you apply for a credit report you are making a limited access request, the report will contain all the information that a lender may see when they run a credit check on you, at the addresses you have supplied in your application. This is what is considered your credit report. However Experian as a company may hold other information which does not make up part of your credit report. When you apply for a Data Subject Access request we will provide you with all of the information that we hold that relates to you. This includes information from all parts of Experian and not just what makes up your credit report. In this instance the information relating to employment, number of dependants and property value would have been provided in a past application for credit. Experian would have then processed this application for the company concerned. We collate and store this date as part of the fraud-prevention work we support lenders with. The permission to store this data would have been provided as part of the terms and conditions of the application. So although Experian holds this information, it is not part of your credit report and will not be shared with other lenders when you make future applications. I hope you find this information useful, Kind regards Experian Expert Neil
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