Credit File

[lost the will to live]

Hi I have various debts an have just requested my credit file I want to know if the various debt collection companys would find out that I am checking my file and also would they have/or are they able to check my credit file.

Thank-you

[Jasper1965]

Yes and yes unfortunately, you might prepare yourself for a few letters when they see some activity especially if you have a new address etc.

[Bazooka Boo]

That is proving to be a bit of a myth, checking your credit file doesn't have any effect with creditors, only you can see that you have been looking at your file, as is your right. So you can look at them all day long if you wish.

[Jasper1965]

I don't think it's the search per se that alerts them , that would of course be wrong assuming that the search is correctly listed under table 2.

 

It's the information supplied when you make the search that "is shared" which is quite an underhand way of doing business imo.

 

Here's a line from the experian t&c's for creditexpert.

"Required product registration information such as name, address(es), and date of birth, are utilised to establish your membership or one-time transaction record and to verify your identify. We require this verification in order to provide you with your personal credit information. For security reasons and to protect the confidentiality of your information, we will verify your identity by checking details you supply against details about you held on other databases to which we have access for these purposes. A record of this check will be kept and, with your consent, may be used by other organisations for verification and fraud prevention purposes;"

 

Other databases????? Which databases are these then?

 

Tomato, tomato you say "used by other organisations for verification and fraud prevention purposes" I say "debt collection tracing purposes".

 

You do of course consent to this "use by other organisations for verification and fraud prevention purposes" when you sign up.

 

So they can't see your search but they can see that you searched.

[dx100uk]

typically you'll find the information , such as a new address, is already known, esp if you are on voters or have taken out credit since you moved.

 

but either way it makes no odds

 

cag is not here to promote nor condone debt avoidance.

if your debts are a good few years old anyway, there are ways like reclaiming etc to mostly deal with them.

 

 

dx

[BRIGADIER2JCS]

As Bazooka Boo Has said it is a total myth

that searching your CRA files alerts others

it most certainly does not, the agencies state

that your use of the system is seen by and

known by only the data subject, the agencies

do not inform anyone of the number of time you

check.

Other data bases are avialble to potential lenders

and it is simple enough to find sny one in a very

short time.

[dadofholly]

Debt collection agencies can have 'alerts' set up - so they are informed of any searches or changes to your credit file - in exactley the same way as you can.

 

They advertise their services in their literature to companies - along with offering information to prospective employers about your personal finances and the like.

 

On the Governing Committee and board of the debt buyers & sellers group, (aligned to Credit Today), is Neil Munroe Head of External & Regulatory Affairs at Experian. Another board member is Gillian Key - vice of Experian - need i say more.

 

lost the will to live - can you come back and let us know if you begin to suddenly start hearing from any DCA's.

[BRIGADIER2JCS]

The CRAs guarantee that personal searches will not

be seen or disclosed to anyone other than the data

subject.

I agree that others may be alerted to searches made

on T1 made by other registered commercial subscribers,but as said

there is no impact from checking your own credit files.

[BRIGADIER2JCS]

Hi I have various debts an have just requested my credit file I want to know if the various debt collection companys would find out that I am checking my file and also would they have/or are they able to check my credit file.

Thank-you

 

Now to answer the other points, the DCA's/creditors are

able to check your credit files as when a credit a agreement

is signed the permission for them to ''share'' data with the CRA's

is included in the terms and conditions agreed to, this permission

is in simple terms passed on to a DCA on the assignment of the debt.

[dadofholly]

lost the will to live - keep us posted on this - let us know if you begin to get any letters from DCA's - and check your file again in approx 14 days and see if anyone has done a search on you.

[lost the will to live]

Thanks everyone but I am even more confused !!!!

 

Lots of different views ! hey ho i will just wait and see also will it say on my credit report other companies have seen the report ? as one of my replys says to check the report again in 14 days time.

 

Sorry to be so dumb but where and what will it say if other companies have had a look at it?

I have never seen a credit report !!

 

Thanks

[cerberusalert]

Unlike most credit reporting agencies, consumers are the principal focus of our business. Virtually all other credit reporting agencies obtain the majority of their income by selling information to others about you. We do not. Credit Reporting Agency never sells your personal information to anyone. Consumers are our customers, not businesses.

https://www.annualcreditreport.co.uk/about/credit-reporting-agency.htm

[lost the will to live]

Hi again

have recieved my credit file not good reading as can make out various defaults !!!!

 

Am not to sure but I think the only other people that have checked my file are car insurance companies.

 

As on some searches it says unrecorded enquiry ( what does that mean ?

 

I have one debt with sainsbury credit card says defaulted on 17/01/08

then it says balance satisfied and says file updated for period 02/ 01/11.

 

Same with another debt to capitol one card .

 

Please can someone tell me what that all means

 

Thankyou

[dx100uk]

prob the two that say satisfied

are because they have just been sold on the phishing market.

 

awaiting a fleecers to buy them and try it on.

 

if the oc has sold the debt

 

then they've written it off against tax

and are no longer interested in the balance.

 

await the fleecing letters

 

any thing else?

 

dx

[BRIGADIER2JCS]

Unrecorded searches are I D and address checks

insurance apps or quotations from comparison sites

will always show these, they are for your information

only.

[lost the will to live]

So do I then wait for dca's to get in touch ? an then wat ? do I pay what they ask for or offer alower figure for a full and and final settlement ? As need to get ths mess behind me.

Thanks

[lost the will to live]

Thanks for that brigadier

[BRIGADIER2JCS]

Yep let sleeping dcas lie for now.

[dx100uk]

not looked at reclaiming penalty fees?

 

when was YOUR last payment on them?

 

dx

[lost the will to live]

Last payment in 2009 a think dont know if I had ppi and dont have any paperwork as moved several times how do I find out if I had ppi ?

Thanks

[dx100uk]

you'll have to SAR them

 

dx