question category: Credit Rating

What information is held by the Credit Reference Agencies?
Submitted on: 16th Nov 2008 by Non-Member | Total Answers: 1

Can you tell me what information the Credit Reference Companies hold on me?

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Re: What information is held by the Credit Reference Agencies?

One of the two main Credit Reference Agencies in the UK is Experian. Information collected by Experian:

  • Postcode Address File and Address Linking - for address verification and fraud prevention
  • Electoral Register – for ID authentication
  • Aliases and Associations – for tracing, ID authentication
  • Public Information – to include the use of County Court Judgments, bankruptcies, administration orders and IVA’s
  • Credit Applications – are a record of previous searches made as the result of credit applications, regardless of the outcome of the applications
  • CIFAS – the UK’s Fraud Prevention Service provide information on any potentially fraudulent dealings
  • Possessions Register – Or what should be called a Repossession register
  • Redirect Check ™ File – This one even surprised us. It’s s database of addresses from which people have recently set up a postal redirection
  • GAIN – Gain stands for the Gone Away Information Network. It stores information about people who after being in arrears leave with leaving a forwarding address
  • Mortality Data – Keeping a record of who has died is important in preventing people using a dead persons name and details to raise finance.
  • Previous applications – A pool of shared previous applications is cross referenced to check for consistencies
     
Submitted on: 16th Nov 2008 by TA Member

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