Experian wants a worldwide, royalty-free, non terminable licence to store and use the

so I signed up for the 30 day trial with credit expert to look at my experian records.

I don't like the idea of all this data on me being kept, but one has no option but to sign a bank's T's & C's when opening a current account, etc, and so there it is on the CRA's books for eternity. BUT, handing these guys MORE info when you walk through the font door is surely not necessary so why this....

I thought I was entitled to see the information held on my credit file FULL STOP. So why can I NOT do this unless I agree to Experian's / Credit Expert's T's & C's.

I refused to agree to their T's & C's, based upon this bit:
10. Privacy and your information
2. You grant us a worldwide, royalty-free, non terminable licence to store and use the information you provide to us when using the Services.

I thought one is entitled to see the information held on my credit file without any strings attached. But maybe I am just too naive?

thanks

Marc
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Comments

  • chattychappy
    chattychappy Posts: 7,302 Forumite
    marc1 wrote: »
    so I signed up for the 30 day trial with credit expert to look at my experian records.

    ...

    I thought I was entitled to see the information held on my credit file FULL STOP. So why can I NOT do this unless I agree to Experian's / Credit Expert's T's & C's.

    You chose to go for their 30 day trial - so you enter a contract and accept their conditions.

    OR you can go the statutory route.... then you won't have to agree to their T+Cs...

    (agree with the sentiment, by the way)
  • Davewils
    Davewils Posts: 134 Forumite
    He's not a troll, he's just missed one rather important point.

    You are looking at a FREE TRIAL for an ONLINE SERVICE, which has it's own terms and conditions, one being the use of your information.

    Experian have no obligation to provide you with your credit details for free.

    Pay your moneys, go the statuatory route, no terms and conditions, but go for a free offer, for a continuous online service and expect terms and conditions.

    Simples.
  • PROLIANT
    PROLIANT Posts: 6,396
    Combo Breaker First Post
    Forumite
    HouseHuntr wrote: »
    So.......................you talk a load of TOSH TROLL !
    Will you give over!
    Every post you make you are jumping on people branding them as trolls, what is your problem?
    Since when has the world of computer software design been about what people want? This is a simple question of evolution. The day is quickly coming when every knee will bow down to a silicon fist, and you will all beg your binary gods for mercy.
  • PNPSUKNET
    PNPSUKNET Posts: 4,265 Forumite
    think we should go about all trying to get him band, all he ever does is come out with.....
  • duckysdebt
    duckysdebt Posts: 28 Forumite
    PROLIANT wrote: »
    Will you give over!
    Every post you make you are jumping on people branding them as trolls, what is your problem?


    well said, people come on here to ask for some impartial advice and wanting some positive feedback, not to be intimidated by by this nutter, bless the member if he has no life and can only vent his frustations at the good people on here, how sad
  • HouseHuntr
    HouseHuntr Posts: 522 Forumite
    edited 1 July 2010 at 9:28AM
    PROLIANT wrote: »
    Will you give over!
    Every post you make you are jumping on people branding them as trolls, what is your problem?


    No, not every just the crap posted by trolls here on the money forum. God, you only have to look at some of the stories on the DFW board !! I think you'll find it doesn't happen so much in other forums on this site because it's less contentious, doesn't provoke the attention the troll requires (just as you're doing now) and doesn't have so many naive people.

    Odd how on the subject of trolls you seem to agree there is a recent outbreak
    http://forums.moneysavingexpert.com/showthread.php?p=34303697#post34303697


    Funny how over 50% of people here agree witth my postings !
  • stephane_2
    stephane_2 Posts: 3,076 Forumite
    HouseHuntr wrote: »
    It's a TROLL with multiple ID's - Duckysdebt one in the same !!!!

    God you people are sooo naive !

    I have reported your comments and will keep doing it until you are totally remove from this forum,you are just a waste of time.
  • stephane_2
    stephane_2 Posts: 3,076 Forumite
    PNPSUKNET wrote: »
    think we should go about all trying to get him band, all he ever does is come out with.....

    I totally agree....
  • skoop
    skoop Posts: 199 Forumite
    edited 1 July 2010 at 10:59AM
    I don't like the idea of all this data on me being kept, but one has no option but to sign a bank's T's & C's when opening a current account, etc, and so there it is on the CRA's books for eternity.

    Do credit ratings agencies keep details of every single credit card or current account or store card you've ever had for ever? (Even if you've closed them now?)
  • izools
    izools Posts: 7,513
    Combo Breaker First Post
    Forumite
    skoop wrote: »
    Do credit ratings agencies keep details of every single credit card or current account or store card you've ever had for ever? (Even if you've closed them now?)

    Credit reference agencies hold details of all active accounts, and all accounts defaulted / closed / settled within the last six years :)
    Cashback Earned ¦ Nectar Points £68 ¦ Natoinwide Select £62 ¦ Aqua Reward £100 ¦ Amex Platinum £48
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