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Banks, building societies, lenders and other financial services providers supply data including personal data about peoples financial accounts and repayments. Other credit providers, such as hire purchase companies, utilities companies, mobile phone networks, retail and mail order, and insurance companies also provide this data when they agree credit facilities with their customers. These organisations may also provide cifas markers when they suspect fraud. You can find out more about  Cifas markers in the Fraud prevention indicators section below. Court judgments, decrees and administration orders cras obtain data about court judgments that have been issued against people. This may include, for example, the name of the court, the nature of the judgment, how much money was owed, and whether the judgment has been satisfied.

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Information type description source Identifiers cras hold personal data that can be used to identify people, like their name, date of birth, and husband current and previous addresses. They may also hold business data. This personal data is included with all the other data sources. For example, names, addresses and dates of birth are attached to financial account data so it can be matched and associated with all the other data the cra holds about the relevant person. Data about uk postal addresses is also obtained from sources like royal mail. Cras also obtain copies of the electoral register containing the names and addresses of registered voters from local authorities across the uk in accordance with specific legislation. Cras also have access to public data sources on people and businesses, including from the Insolvency service, companies house and commercial business directories. Lender provided and creditor provided data cras receive information that includes personal data from credit applications and about the financial accounts that people hold from the organisations that maintain those accounts. This includes personal data about bank accounts, credit card accounts, mortgage accounts and other agreements that involve a credit arrangement like utilities and communications contracts (including mobile and internet). The collected data includes the name of the organisation the account is held with, the date it was opened, the account number, the amount of debt outstanding (if any any credit limits and the repayment history on the account, including late and missing payments. Cras may also receive data about financial accounts like current accounts, credit cards or loans and may receive payments information that businesses hold from the organisations who maintain those accounts.

One example, many kinds of financial services are regulated by the financial Conduct Authority or the Prudential Regulation Authority, who impose obligations reviews to check that financial products are suitable for the people they are being sold. The credit reference agencies provide data to help with those checks. The cras use of this personal data is subject to an extensive framework of safeguards that help make sure that peoples rights are protected. These include the information given to people about how their personal data will be used and how they can exercise their rights to obtain their personal data, have it corrected or restricted, object to it being processed, and complain if theyre dissatisfied. These safeguards help sustain a fair and appropriate balance so the cras activities dont override the interests, fundamental rights and freedoms of data subjects. Each credit reference agency obtains and uses information from different sources, so they often hold different information and personal data from each other. However, most of the personal data they do hold falls into the categories outlined below from the sources described.

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Cras help ensure this by sharing personal data about potential borrowers, their financial associates where applicable, and their financial history. A comprehensive range of measures exists in the uk to underpin the balance so the legitimate interests arent outweighed by the interests, fundamental rights and freedoms of data subjects. Further explanation about this balance is set out below. Helping prevent and detect crime and fraud and anti-money laundering services and verify identity cras provide identity, fraud and anti-money laundering services to help clients meet legal and regulatory obligations, and to the benefit of individuals to support identity verification and support of detection/ prevention. Supporting tracing and collections cras provide services that support tracing and collections where there is a legitimate interest in the client conducting activity to find its customer and to recover the debt, or to reunite, or confirm an asset is connected with, the right essay person. Complying with and supporting compliance with legal and regulatory requirements cras have to comply with various legal and regulatory requirements. Cra services also help other organisations comply with their own legal and regulatory obligations.

(b) what iraud prevention agency? A fraud Prevention Agency (FPA) collects, maintains and shares, data on known and suspected fraudulent activity. All three credit reference agencies also act as fpas. (c) fraud prevention agency processing how data may be used by fraud prevention agencies: fpas may supply the data received from lenders and creditors about you, your financial associates and your business (if you have one) to other organisations (please see section 5 for more. This may be used by them and the cras to: - prevent crime, fraud and money laundering by, for example; Checking details provided on applications for credit and credit related or other products and services Managing credit and credit related accounts or products or services. Legitimate interests The uks data protection law allows the use of personal data where its purpose is legitimate and isnt outweighed by the interests, fundamental rights or freedoms of data subjects. The law calls this the legitimate Interests condition for personal data processing. The legitimate Interests being pursued here are: Interest Explanation Promoting responsible lending and helping to prevent over-indebtedness Responsible lending means that lenders only sell products that are affordable and suitable for the borrowers circumstances.

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These checks pick up things like irregular dates of birth, names, addresses, account start and default dates, and gaps in status history. Data matching: where data supplied to the cras is matched to their existing databases to help make sure its assigned to the right person, even when there are discrepancies like spelling mistakes or different versions of a persons name. Cras use the personal data people give lenders together with data from other sources to create and confirm identities, which they use to underpin the services they provide. Data linking: as cras compile data into their databases, they create links between different pieces of data. For example, people who appear financially associated with each other may be linked together, and addresses where someone has previously lived can be linked to each other and to that persons current address. Systems and product testing: data may be used to help support the development and testing of new products and technologies.

Each cra has its own processes and standards for data loading, data matching and other database processing activities. Other uses with your permission From time to time cras may use the personal data they hold or receive about you attorney for other purposes where youve given your consent. Uses as required by or permitted by law your personal data may also be used for other purposes where required or permitted by law. Other activities Each credit reference agency also has other lines of business not described in this essay document. . For example, each offers its own marketing services and direct-to-consumer services. Each cra will provide separate information as appropriate for any services that fall outside of scope of this document.

(For example, data sharing with lenders and creditors so clients can make decisions relating to credit limit adjustments, transaction authorisations, and to identify and manage the accounts of customers at risk, in early stress, in arrears, or going through a debt collection process,. Tracing and debt recovery cras provide services that allow organisations to use bureau data to trace people whove moved. Each cra also offers a service that allows people to be reunited with assets (like an old dormant savings account theyve lost contact with) cras may also use personal data to support debt recovery and debtor tracing. An example of a tracing activity could be when a person owes money and moves house without telling the creditor where theyve gone. The creditor may need help finding that person to claim back what theyre owed.


Cras help find missing debtors by providing creditors with updated addresses and contact details. Screening cras can use some personal data to screen people out of marketing lists. For example, where a persons financial history suggests theyre unlikely to be accepted for or afford a particular product, the relevant organisation can use that data to opt out of sending them information about that product. This helps stop people receiving irrelevant marketing, and saves organisations the costs of inappropriate marketing and unsuccessful applications. The data isnt used to identify, select and send marketing materials to potential new customers. Statistical analysis, analytics and profiling cras can use and allow the use of personal data for statistical analysis and analytics purposes, for example, to create scorecards, models and variables in connection with the assessment of credit, fraud, risk or to verify identities, to monitor and. Database activities cras carry out certain processing activities internally which support databases effectiveness and efficiencies. . For example: Data loading: where data supplied to the cras is checked for integrity, validity, consistency, quality and age help make sure its fit for purpose.

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This helps confirm the yardage person they are dealing with is not trying to commit identity theft or any other kind of fraud. Where some products and services are only available to people of a certain age, organisations can check whether the person theyre dealing with is eligible by searching the cras databases. If a person applies for credit the lender or creditor might check the personal data that person gives them against the personal data held by cras to try and prevent fraud. Government and quasi-government bodies can use data held by cras to check whether people are entitled to certain benefits and to help recover unpaid taxes, overpaid benefits and similar debts. Account management, cRAs supply information including personal data to their clients for account management, which is the ongoing maintenance of the client organisations relationship with its customers. This could include activities designed to support: data accuracy (such as data cleansing - where bureau data can be used to clean or update lender data. This might involve checks that data is in the right format or fields, or to correct spelling errors clients ongoing account management activities.

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Different lenders and creditors will use different cra services, and may not use all the services described here, so we recommend you also check your lender and creditors privacy policy(s) as well as this document. Credit reporting and affordability checks, each cra uses the data it gathers to provide credit reporting services to its clients. Organisations use credit reporting services to see the financial position of people and businesses. For example, a lender or creditor may check with a credit reference agency when an individual or business applies for credit and the lender or creditor needs to make a credit decision taking into account that person or businesss credit history. Affordability checks help organisations understand whether people applying for credit or financial products (like loans) are likely to afford labor the repayments. These activities help promote responsible lending, prevent people and businesses from getting into more debt than they can afford, and reduce the amount of unrecoverable debt and insolvencies. Verifying data like identity, age and residence, and preventing and detecting criminal activity, fraud and money laundering. The cras also use bureau data to provide verification, crime prevention and detection services to their clients, as well as fraud and anti-money-laundering services. For example: When a person applies to an organisation for a product or service, the organisation might ask them to answer questions about themselves, and then check the answers against the data held by the cras to see if theyre correct.

personal data? Where can I find out more? You have the right to object to credit reference agencies using your personal data. Section 11 to find out more. Who are the credit reference agencies and how caontact them? There are three main credit reference agencies in the uk who deal with peoples personal data. Each is regulated by the financial Conduct Authority (FCA) and authorised to conduct business as a credit reference agency. (a) credit reference agency processing, credit reference agencies receive personal data about you thats part of, derived from or used in credit activity.

What kinds of personal data do with credit reference agencies use, and where do they get it? Who do credit reference agencies share personal data with? Where is personal data stored and sent? How long is personal data kept for? Do the credit reference agencies make decisions about me or profile me? What can I do if I want to see the personal data held about me? Do i have a data portability right in connection with my bureau data? What can I do if my personal data is wrong?

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Note: The information in this document will be effective from the Adopted Date set out above, except for the information. Sections 9, (data portability right 11 and. These sections provide information on new rights that will only come into effect from the 25th may 2018, which is the effective date of the general Data Protection Regulation (or the gdpr). This document describes how business the three main credit reference agencies Callcredit, Equifax and Experian, (also called credit reference agencies or cras in this document) each use and share personal data (also called bureau data) they receive about you and/or your business that is part. Please note: you shouldnt think of this document as a complete record of all the personal data each cra may hold and process, as each has a number of different business functions running through. To find out more about each cras other businesses, services and personal data processing, go to the website links provided. This document answers these questions: Who are the credit reference agencies and how can I contact them? What do credit reference agencies use personal data for? What are the credit reference agencies legal grounds for handling personal data?


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