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Data Protection Act


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I've noticed that I ahve searches made on my credit report by companies I know I have not applied for credit with or, in fact, had any dealings with at all.

 

Does anyone know if they are breaking the DPA by searching without my consent? I know this has affected my credit score as they have done one yesterday and it's dropped by 4 points.

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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your data can only be used in the way described when consent is gained. Some searches require notification, not consent, but only under other legislation e.g. anti money laundering.

 

If you have no relationship with the organisation then it could be trading name i.e. you did consent to the org but under a different name. Or it could be fraud

 

If this is not the case then it is a breach of DPA. Contact the organisation who left the footprint and request evidence of your consent.

 

BTW the effect of footprints is grossly exaggerated and is a bit of a myth. It varies from lender to lender as they use their own scorecards but they are aware people shop for the best rates so can't discount people purely on volume of footprints.

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Unfortunately, my credit score has gone down by 4 points within 24 hours because of this one search, so tehy obviously can ahve a cumulative affect.

 

Thanks for the advice!

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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I had this problem once. It turned out that the searches where searches being made by companies dealing with credit applications for not myself, but a person they had linked to me. Check if there are any linked names with your account (i.e. ever had any joint bank accounts etc) because if that links there, everytime they apply for credit will mean the company they apply to searching your record as well!

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To get rid of them you have to ask for a notice of disassociation to all three of the credit reference agencies. Before you do this you need to ensure that all joint account, credit card accounts (even where its just in your name but hes a second card holder) are closed.

 

I would do this quick as if he has poorish credit, and yours is okay, your better credit rating will be associated with his and he might get credit where he wouldnt have on his own. Of course this works the other way as well!

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