credit check access
Discussion
At the very least I would expect it breaks the terms of the credit reference agency's data access, and probably breaks the law too.
If you are a s**t stirrer you might like to query her a little and ask if she knows the rules. The more devastating way would be to write to the Big Three (Call Credit, Experian and Equifax) stating that you believe you file was accessed improperly, they could easily check and work it back from there. She would probably lose her job.
If you are a s**t stirrer you might like to query her a little and ask if she knows the rules. The more devastating way would be to write to the Big Three (Call Credit, Experian and Equifax) stating that you believe you file was accessed improperly, they could easily check and work it back from there. She would probably lose her job.
Edited by Gareth79 on Monday 30th August 00:05
Si 330 said:
That's what I thought, she's not at a bank but some finance company that do high street credit when people buying sofas, TV's that sort of thing.
Same deal, it's fairly strictly regulated stuff! There's at least two (probably more) different levels of "Search" they can do against your credit file with the reference agencies, they all leave a footprint.If you dont like her find out her company, give them a call and ask to speak to the compliance officer. Lodge a formal complaint and follow it up with a recorded letter.
Si 330 said:
That's what I thought, she's not at a bank but some finance company that do high street credit when people buying sofas, TV's that sort of thing.
Is it possible it's just BS? Still, I know it's not the sort of thing that most people would say seriously unless they had a nasty personality, since it would leave most people feeling very uncomfortable. Companies really don't like employees who do that sort of thing though, and I expect they don't even like somebody who claimed to be doing it since it reflects badly on the company.I would try one of the routes mentioned - either calling her employer to speak to their compliance officer or as I suggested contact the credit reference agency.
Obviously speaking to her about it again will flag you as the culprit should she get in trouble later, so if you are considering reporting it I would not mention it to her again.
Apart from being distasteful, it is highly improper. Imagine if you lived in a small community; she worked in the GP practice and started boasting that she'd looked at all her friends', neighbours' and acquaintances' medical records. It would be gross misconduct and would result in dismissal.
The potential for this kind of abuse with millions of people authorised to access nationally computerised medical records is one reason that many medical professionals and patients don't want to have their details on the national medical database.
Because it is financial data rather than medical, I'd have a word with one of your mates who also heard her allegations and decide between you whether she is likely to have just been attention-seeking or whether she actually did look you up and whether, between you, you feel she should be stopped.
PS In order to get the 30 days free access, don't you need to sign up with Experian or whoever for £x/month by direct debit and have to remember to cancel it once the period is up?
PPS As McF says, the rating agencies are obliged to provide your data (3 years ago it came after a few days, by post) for £2. The online "free access" when I looked at it then was on the sign-up-to-direct-debit-which-will-run-unless-you-cancel system, giving instant ratings whenever you wanted them which wasn't necessary for my purposes.
The potential for this kind of abuse with millions of people authorised to access nationally computerised medical records is one reason that many medical professionals and patients don't want to have their details on the national medical database.
Because it is financial data rather than medical, I'd have a word with one of your mates who also heard her allegations and decide between you whether she is likely to have just been attention-seeking or whether she actually did look you up and whether, between you, you feel she should be stopped.
PS In order to get the 30 days free access, don't you need to sign up with Experian or whoever for £x/month by direct debit and have to remember to cancel it once the period is up?
PPS As McF says, the rating agencies are obliged to provide your data (3 years ago it came after a few days, by post) for £2. The online "free access" when I looked at it then was on the sign-up-to-direct-debit-which-will-run-unless-you-cancel system, giving instant ratings whenever you wanted them which wasn't necessary for my purposes.
Edited by nomisesor on Monday 30th August 18:11
Edited by nomisesor on Wednesday 1st September 08:41
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