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National Hunter

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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
«1

Comments

  • Tixy
    Tixy Posts: 31,455 Forumite
    A smile enriches those who receive without making poorer those who give
    or "It costs nowt to be nice"
  • 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. :(
    Are you for real? - Glass Half Empty??
    :coffee:
  • Paully232000
    Paully232000 Posts: 2,108 Forumite
    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.
  • 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! :)
    Are you for real? - Glass Half Empty??
    :coffee:
  • Tixy
    Tixy Posts: 31,455 Forumite
    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).
    A smile enriches those who receive without making poorer those who give
    or "It costs nowt to be nice"
  • Poorcouple
    Poorcouple Posts: 45 Forumite
    Is there any benefit over a normal (£2) credit search then?
  • Tixy
    Tixy Posts: 31,455 Forumite
    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.
    A smile enriches those who receive without making poorer those who give
    or "It costs nowt to be nice"
  • Thrugelmir
    Thrugelmir Posts: 89,546 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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
    ValHaller Posts: 5,212 Forumite
    1,000 Posts Combo Breaker
    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?
    You might as well ask the Wizard of Oz to give you a big number as pay a Credit Referencing Agency for a so-called 'credit-score'
  • Paully232000
    Paully232000 Posts: 2,108 Forumite
    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
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