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HMRC doing credit check

50Twuncle
50Twuncle Posts: 10,763 Forumite
Part of the Furniture 1,000 Posts Photogenic Name Dropper
in Credit file & ratings
Why would HMRC carry out a credit check on me ?
According to my latest NODDLE check - HMRC CVAL MI did a credit check on me - last month .....
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Comments

  • Ed-1
    Ed-1 Posts: 3,953 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    50Twuncle wrote: »
    Why would HMRC carry out a credit check on me ?
    According to my latest NODDLE check - HMRC CVAL MI did a credit check on me - last month .....

    Do you claim any benefits, e.g. Tax credits?
  • sourcrates
    sourcrates Posts: 31,361 Ambassador
    Part of the Furniture 10,000 Posts I've been Money Tipped! Name Dropper
    Was thinking the same, if you have a tax credit over-payment, or some other over-payment of benefit, they may be looking into your ability to repay it.

    Do you owe any tax at all ?
    I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter
  • GingerBob_3
    GingerBob_3 Posts: 3,659 Forumite
    Have you ever consented to HMRC viewing the data held about you by the CRAs?
  • glennevis
    glennevis Posts: 729 Forumite
    Eighth Anniversary 500 Posts Photogenic Name Dropper
    HMRC don't offer credit. Isn't it more likely to be an identity check?
  • mr_fishbulb
    mr_fishbulb Posts: 5,224 Forumite
    Part of the Furniture Combo Breaker
    glennevis wrote: »
    HMRC don't offer credit. Isn't it more likely to be an identity check?
    Yeah I had a "Hmrc (Cval)" and "Hmrc (Cval Ml)" item show up as "Identification Check" the other day.

    I assume it's because I used their online service to get my tax refund.
  • 50Twuncle
    50Twuncle Posts: 10,763 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    edited 7 November 2016 at 8:58PM
    No tax credjts
    No benefits except DLA ( which is not income related)
    No refund either or owed
    Nothing owed to or by anyone
  • 50Twuncle
    50Twuncle Posts: 10,763 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    GingerBob wrote: »
    Have you ever consented to HMRC viewing the data held about you by the CRAs?

    Nope - I haven't !!
  • GingerBob_3
    GingerBob_3 Posts: 3,659 Forumite
    50Twuncle wrote: »
    Nope - I haven't !!


    You need to contact HMRC and demand to know what's going on.


    Of course HMRC and many other institutions can help themselves to the CRAs' files about you with or without (usually without) your consent. Things are pretty much open house as far as credit reports are concerned. However, you should still contact HMRC about it.
  • 50Twuncle
    50Twuncle Posts: 10,763 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    I will also raise it with Theresa May - why not take it to ECHR as well - whilst I still can ?
  • GingerBob_3
    GingerBob_3 Posts: 3,659 Forumite
    50Twuncle wrote: »
    I will also raise it with Theresa May - why not take it to ECHR as well - whilst I still can ?

    Good idea. Don't bother with the ICO. They are useless.
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