- When you apply to us to open an account, we will check the following records about you and others
(see 2 below)
a) Our own;
b) those at credit reference agencies (CRAs). When CRAs receive a search from us they
will place a search footprint on your credit file that may be seen by other lenders.
They supply to us both public (including the electoral register) and shared credit
and fraud prevention information.
c) those at fraud prevention agencies (FPAs)
We will make checks such as; assessing this application for credit and verifying identities to
prevent and detect crime and money laundering. We may also make periodic searches at CRAs and FPAs
to manage your account with us.
- If you are making a joint application or tell us that you have a spouse or financial
associate, we will link your records together so you must be sure that you have their agreement to
disclose information about them. CRAs also link your records together and these links will remain
on your and their files until such time as you or your partner successfully files for a
disassociation with the CRAs to break that link.
- Information on applications will be sent to CRAs and will be recorded by them. Where you borrow
from us, we will give details of your accounts and how you manage it/them to CRAs. If you borrow
and do not repay in full and on time, CRAs will record the outstanding debt. This information may
be supplied to other organisations by CRAs and FPAs to perform similar checks and to trace your
whereabouts and recover debts that you owe. Records remain on file for 6 years after they are
closed, whether settled by you or defaulted.
- If you give us false or inaccurate information and we suspect or identify fraud we will record
this and may also pass this information to FPAs and other organisations involved in crime and fraud
prevention.
- If you have borrowed from us and do not make payments that you owe us, we will trace your
whereabouts and recover debts.
- We and other organisations may access and use from other countries the information recorded by
fraud prevention agencies.
- 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.
How to find out more
This is a condensed version and if you would like to read the full details of how your data may be
used Click here.
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 0601414
Equifax PLC, Credit File Advice Centre, PO Box 3001, Bradford, BD1 5US or call 0870 010 0583
or log on to www.myequifax.co.uk
Experian, Consumer Help Service, PO Box 8000, Nottingham NG80 7WF or call 0844 4818000 or
log on to www.experian.co.uk.
Teletrack UK Limited, 2 St. John’s Street, Colchester, Essex CO2 7AA