National Hunter

Paully232000

I have heard people talk about this company on here and how it holds data on each person.
Can you get access to this information, where do you get it from and how much does it cost? (presuming that I can have it).

Thanks

Tixy

Yes.
Here http://www.nhunter.co.uk/data.html
£10.

Fruit_and_Nut_Case

Paully232000 wrote: »

I have heard people talk about this company on here and how it holds data on each person.
Can you get access to this information, where do you get it from and how much does it cost? (presuming that I can have it).

Thanks

Yes/National Hunter/£10

http://www.nhunter.co.uk/

Edit: Gah! Beaten by Tixy.

Paully232000

Thanks that was very quick:-)

Is there anything I should know about applying for the file, will it cause any problems for me if I do?
I am just applying out of curiosity really, nothing else.

Fruit_and_Nut_Case

Paully232000 wrote: »

Is there anything I should know about applying for the file, will it cause any problems for me if I do?
I am just applying out of curiosity really, nothing else.

That I don't know; never tried it myself. All the best, though!

Tixy

Should not cause any problems for you at all.
It would just be a request under the data protection act.

The only info it will hold is a list of information you've supplied to potential lenders in credit applications over the last 6 years.

(I've never done it myself either though).

Poorcouple

Is there any benefit over a normal (£2) credit search then?

Tixy

Poorcouple wrote: »

Is there any benefit over a normal (£2) credit search then?

Its totally different to a search with the 3 main credit reference agencies.

It simply looks for inconsistencies in credit applications you have made.

Potential lenders will search one of more of the 3 main agencies, then they also share certain facts from your application with national hunter, who may flag up if there are concerning inconsistencies compared to what you have told previous lenders you've applied to. Its explained on their site.

There isn't normally any reason to check the data, its just a factual list of info you have provided, debt collectors etc don't see and can't affect the info, and no potential lender should make a lending decision based just on the NH database.

Thrugelmir

Paully232000 wrote: »

Is there anything I should know about applying for the file, will it cause any problems for me if I do?
I am just applying out of curiosity really, nothing else.

Have you ever committed fraud in applying for a financial product such as mortgage?

In simple terms lied on the application form.

If not, then unlikely that there's any entries on the database relating to you.

ValHaller

Tixy wrote: »

Its totally different to a search with the 3 main credit reference agencies.

It simply looks for inconsistencies in credit applications you have made.

Potential lenders will search one of more of the 3 main agencies, then they also share certain facts from your application with national hunter, who may flag up if there are concerning inconsistencies compared to what you have told previous lenders you've applied to. Its explained on their site.

There isn't normally any reason to check the data, its just a factual list of info you have provided, debt collectors etc don't see and can't affect the info, and no potential lender should make a lending decision based just on the NH database.

Thrugelmir wrote: »

Have you ever committed fraud in applying for a financial product such as mortgage?

In simple terms lied on the application form.

If not, then unlikely that there's any entries on the database relating to you.

These answers are in apparent conflict. If being on the database is an indication that you are presumed to have lied, then surely it should be accessible for the £2 just like any other consumer credit records?

Paully232000

No I have never committed fraud or lied on an application.
Like I said just interested in what information is held.

Thanks all for the information