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Can I control who has access to my credit file?


nogbloke
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DLC and LINK Financial both recently hassled me because they had obtained information from"Call Credit" (Credit Reference Agency) that would suggest that my financial position had improved. My brother had used an AQUA Card that is in my name to make a purchase via PayPal on Ebay. Link and DLC homed in on this activity by viewing my credit file. The debts with those companies are no longer on the files as they are over 6 years old. Is it right that these people can browse my files without my permission?? If not, how can I put a stop tp it?

 

Thanks - Jim

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if they are over 6yrs they're SB'ed

ignore them.

 

if they have a consumer credit licence, they can legally view them

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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SB = Statute Barred - The debt still exists on the creditors books, but they are unable to collect. Statute barred is 6 years in England and 5 in Scotland.

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