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Are credit reference agencies government regulated?

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Comments

  • I did ask equifax to remove all data referring to me that's on their files, as in line with the DPA.

    They responded that it was held there for MY REFERENCE! For MY REFERENCE! :rotfl: I have never heard something so ridiculous in my entire life.
    I can't add up.
  • paddy29
    paddy29 Posts: 50 Forumite
    Part of the Furniture Combo Breaker
    Archi_Bald wrote: »
    You wouldn't be turned down for a mortgage because of that. Many applications for credit will be reviewed by underwriters as human judgement is often appropriate.

    I have been turned down for a mortgage before because of 2 British Gas defaults that I have been fighting with them about for a year. One is for £50 and one is for £75.
  • Thrugelmir
    Thrugelmir Posts: 89,546 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    paddy29 wrote: »
    I have been turned down for a mortgage before because of 2 British Gas defaults that I have been fighting with them about for a year. One is for £50 and one is for £75.

    There's no certainty that the defaults were the deciding factor.
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