National Hunter

Terrysdelight

Hi


Before reading about National Hunter in another post, I had never heard of it.


Do credit card companies interact with the system as standard on every credit card application, mortgage applications etc before making decisions?

YorkshireBoy

Although it's probably the best known on here, National Hunter is not the only fraud prevention agency (FPA) in the UK.

But to answer your question, I'd imagine most (all?) lenders will refer to a FPA database, as well as to an applicant's CRA file, as part of their credit application processing. After all, they do say they may (for 'may', read 'will'!) in their privacy policies (and also during an online application...that's the box you tick to say you've read, understand, and agree to their privacy policy! ).

Thrugelmir

Terrysdelight wrote: »

Do credit card companies interact with the system as standard on every credit card application, mortgage applications etc before making decisions?

In principle yes. As they own the Company. Experian merely provide the services.

Terrysdelight

Thanks. Makes sense, just amazed I've never heard of it before :-)

Thrugelmir

Terrysdelight wrote: »

Thanks. Makes sense, just amazed I've never heard of it before :-)

Why should you. Only impacts people that set out to deceive financial institutions.