1. When credit reference agencies receive a search from us they will:
a. Place a search "footprint" on your credit file whether or not this application proceeds. If the search was for a credit application the record of that search (but not the name of the organisation that carried it out) may be seen by other organisations when you apply for credit in the future.
b. Link together the records of you and anyone that you have advised is your financial associate including previous and subsequent names of parties to the account. Links between financial associates will remain on your and their files until such time as you or your partner successfully files for a disassociation with the credit reference agencies.
2. Supply to us:
a. Credit information such as previous applications and the conduct of the accounts in your name and of your associate(s) (if there is a link between you - see 1b above) and/or your business accounts (if you have one).
b. Public information such as County Court Judgments (CCJs) and bankruptcies.
c. Electoral Register information.
d. Fraud prevention information.
3. When information is supplied by us, to them, on your account(s):
a. Credit reference agencies will record the details that are supplied on your personal and/or business account (if you have one) including any previous and subsequent names that have been used by the account holders and how you/they manage it/them.
b. If you borrow and do not repay in full and on time, credit reference agencies will record the outstanding debt.
c. Records shared with credit reference agencies remain on file for 6 years after they are closed, whether settled by you or defaulted.
4. How your data will NOT be used by credit reference agencies:
a. It will not be used to create a blacklist.
b. It will not be used by the credit reference agency to make a decision.
5. How your data WILL be used by credit reference agencies:
a. The information which we and other organisations provide to the credit reference agencies about you, your financial associates and your business (if you have one) may be supplied by credit reference agencies to other organisations and used by them to
i. Prevent crime, fraud and money laundering by, for example checking details provided on applications for credit and credit related or other facilities.
ii. Check the operation of credit and credit-related accounts.
iii. Verify your identity if you or your financial associate applies for other facilities.
iv. Make decisions on credit and credit related services about you, your partner, other members of your household or your business.
v. Manage your personal, your partner''s and/or business (if you have one) credit or credit related account or other facilities.
vi. Trace your whereabouts and recover debts that you owe.
vii. Undertake statistical analysis and system testing.
6. How your data may be used by fraud prevention agencies:
a. The information which we provide to the fraud prevention agencies about you, your financial associates and your business (if you have one) may be supplied by fraud prevention agencies to other organisations and used by them and us to prevent crime, fraud and money laundering by, for example;
i. checking details provided on applications for credit and credit related or other facilities.
ii. Managing credit and credit related accounts or facilities.
iii. Cross Checking details provided on proposals and claims for all types of insurance.
iv. Checking details on applications for jobs or when checked as part of employment.
b. Verify your identity if you or your financial associate applies for other facilities including all types of insurance proposals and claims.
c. Trace your whereabouts and recover debts that you owe.
d. Conduct other checks to prevent or detect fraud.
e. We and other organisations may access and use from other countries the information recorded by fraud prevention agencies.
f. Undertake statistical analysis and system testing.
Your data may also be used for other purposes for which you give your specific permission or, in very limited circumstances, when required by law or where permitted under the terms of the Data Protection Act 1998.
Your data may also be used to offer you other products, but only where permitted.
How to find out more
You can contact the CRAs currently operating in the UK; the information they hold may not be the same so it is worth contacting them all. They will charge you a small statutory fee.
CallCredit, Consumer Services Team, PO Box 491, Leeds, LS3 1WZ or call 0870 060 1414 or log on to www.callcredit.co.uk
Equifax PLC, Credit File Advice Centre, PO Box 1140, Bradford, BD1 5US or call 0844 335 0550 or log on to www.equifax.co.uk
Experian, Consumer Help Service, PO Box 8000, Nottingham NG80 7WF or call 0844 481 8000 or log on to www.experian.co.uk.
Please contact us at firstname.lastname@example.org if you want to receive details of the relevant fraud prevention agencies.
 A financial associate will be someone with whom you have a personal relationship that creates a joint financial unit in a similar way to a married couple. You will have been living at the same address at the time. It is not intended to include temporary arrangements such as students or rented flat sharers or
 A small business is defined as an organisation which might be sole trader, partnership or a limited company that has three or less partners or directors.
 Credit reference agencies may link together the records of people that are part of a financial unit. They may do this when people are known to be linked, such as being married or have jointly applied for credit or have joint accounts. They may also link people together if they, themselves, state that they are
 Financial associates (see 1 a) iii) may "break the link" between them if their circumstances change such that they are no longer a financial unit. They should apply for their credit file from a credit reference agency and file for a "disassociation".