DCAs Searching Credit Files - What are their Rights? in Credit Reference Agencies Posted March 28, 2011 · Edited March 28, 2011 by Ruprecht extra info i have a debt in dispute with cabot , they keep farming it out to varoious DCAs 2 of these DCAs have done table 1 searches on me ( Clarity and Makenzie Hall) heres the response i got from Equifax from Clarity The company has investigated your query and have told Equifax that the information is correct and should remain unchanged. This search relates to an MBNA account which was sold to Cabot Financial. Cabot Financial asked Clarity Credit Management to confirm the address of ***My address** This information is supplied by the company and we can't change it without their permission. You should get in touch with the company directly if you need more information. ive contacted Claritys compliance manager and they wont remove the table 1 search They probably do a Table 1 search to see if you are worth chasing (to see your current credit situation) ...... Then pretend it was an error.... Can the DCA do a proper credit check legally I wonder? If the account is active the creditor can check you as much as they like I believe, but once it is deado I wonder if they can continue doing that seeing as no more credit is on offer? Edit: I am talking about a proper credit check BTW not just debtor tracing etc.