Scanned copy of the Experian letter - pp1 & 2

[Robertxc]

The BANK is given the right to disclose to the CRAs. Once the CRAs have your data, they are then covered by the Data Protection Act and you can at any time withdraw your permission under the Act for your data to be used etc.

Ah, but this is to misunderstand what's going on. The CRA doesn't just hand out your data to anyone who asks - not even to the banks. Anyone looking at your data has to have permission from you first. So, your bank gets permission to hold your data, and have it processed on their behalf by the CRA. When you subsequently fill in a credit application form of some type, you will be giving your permission for that lender to examine your persoanal data. Ultimately, it appears that the CRA may not be doing anything which you haven't given your permission for.:-|

[Tobes]

You give your permission to the next bank you choose to do business with to see your credit file, but that has nothing to do with what actually SHOULD be on your credit file.

 

I hereby give you permission to look at this blank piece of paper I'm waving about like a loon

[meagain]

I hereby give you permission to look at this blank piece of paper I'm waving about like a loon

 

More accurately, you give permission to look at that piece of paper which you believe to be blank

[ppauls150]

Have any of you seen that thread with regards to someone who took equifax to court in 1991 with regards to equifax doing things with his data?? It also came out that they dont actually just get your information when you apply for something they actually do it on the property and check everyone who is living there not just on you. I dont know if this has now changed but that is what i read from the court case on how they process your data when you apply for credit..

[Tobes]

The policy changed a couple of years ago in thatthey now only share your data, unless you have a proven link with someone else e.g. a mortgage. Before they provided the info of everyone in your household unless you sent them a notice of disassociation stating that you had no financial link whatsoever.

 

I actually think it was outrageous and a total abuse of people's privacy; I sent off for my report and got back details of all my sister's and my parent's credit accounts, what they'd been given and who had given it, and I'm certain my sister wouldn't have wanted to disclose it to me because she'd got a few '2's

 

I'm not sure if they actually just decided to change their ways, the CRAs, in this matter, or if they were forced...Bloody outrageous though.

[aardvark the lecturer]

Several years ago, I was unable to get any kind of credit because a close family members details (with whom I shared a surname AND first Initial), who had been through bankruptcy, appeared all over my credit reports. Many letters and notices of disassosiation later and it was finally sorted but I remember at the time they were very unhelpfull to the facts, and it took months and months to get it sorted..