Thread: Are they allowed to do this

I got my credit limit with Virgin raised by £1000.

I wondered how they went about deciding who gets a credit limit raise and was told by a Virgin employee over the phone that they ran regular credit checks on customers.

I can totally understand why they would do a credit check when you first apply for a credit card, but are they allowed to access your credit file whenever they want to for their own business needs?

The girl I spoke to on the phone said that they knew I had changed my mortage provider and had paid off another 2 credit cards, this absolutely horrified me. Surely they cannot go into their cutomers credit files and look at them on a regular basis and see what other credit you have OR CAN THEY?

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I don't see any reason that they shouldn't or couldn't run credit checks on their debtors.