Credit Reports - who is able to access mine?

mr_fishbulb

Just wondering what authorisation a company needs to look at my credit history?

How does the credit agencies check that they are authorised before they allow the check to take place? When I've applied for some bank accounts in the past it goes through almost instantly.

What sort of information can be seen when someone searches my credit report? Can they see things like previous addresses and who I bank with?

Cheers

coolesticeking

I don't know a lot about this - but to my understanding they have to be approved in some way and of course have the need to check peoples credit files.

And they no doubt would be able to see the same or at least most of the information as you do.