Do you keep copies of my Credit Reports?Ĭredit Reports requested prior to February 17 th 2016 are not held by us as these were previously produced by the Experian credit reference agency.
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We adhere to a strict code of ethics and never share any of your confidential information with an outside agency for any reason, unless we are compelled to do so by law. The information contained within your Credit Report remains strictly confidential between you and us at all times.
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Yes, you need to be a PrivacyGuard member to gain full access to your own personal Credit Report. Do I need to be a member to view a copy of my Credit Report?.You'll therefore know whenever an organisation has looked at your credit profile. Monitoring your Credit Report - including who has accessed it - is all part of the PrivacyGuard service. Other organisations with a legitimate reason to view your profile may also examine it. Whenever you apply for a loan, mortgage or credit card, your credit profile may be accessed by the lender. We use the information provided by TransUnion to produce your Credit Reports and monitor your credit profile. Collecting and analysing information received from organisations that have offered credit to consumers, they compile credit profiles for everyone in the UK. Your Credit report is produced by TransUnion Limited, a UK credit reference agency. Which credit reference agency do you use to help put together my Credit Report?.It contains, for example, financial information provided by lenders such as banks and credit card companies. Your Credit Report is produced by TransUnion, a UK credit reference agency. Written in an easy-to-understand way, it's a summary of all the information held on you within your credit profile. Your personal Credit Report is put together by our experienced team of analysts. If you request a paper copy of your Credit Report, then please allow 7-10 days to receive your report in the post.
If you chose to view your Credit Report Online, in most instances you will be able to see your Credit Report immediately. How quickly can I see my Credit Report?.You can view your Credit Report online once you have logged into the dedicated members' area of our website.Īlternatively, you can contact our Customer Services team on 08 and request a copy is posted to you.īy requesting a Credit Report you are agreeing to PrivacyGuard (Tenerity Limited) applying on your behalf to TransUnion under section 7 of the Data Protection Act 1998 for a copy of your Credit Report, and for TransUnion Limited to monitor your credit profile. Having a poor credit profile can result in you being turned down for a loan or being charged a higher level of interest. For example, mortgage lenders and credit card companies use them to make a judgement on an individual's creditworthiness. It's very important because it affects how financial organisations deal with you. It's based upon the information contained within your credit profile, which is compiled by a UK credit reference agency.Įveryone has a credit profile. Quite simply, a Credit Report is a summary of your financial background and status.
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