Landlord Credit check without my permission

FBaby

NO ONE has the right to do a credit search on someone without expressly seeking their permission first. This is set in law, called the Data Protection Act, and is there to protect the citizens of this country, sorry to some of you who don't agree with it

Everyone agrees with it, what some don't get is why you are so upset over something that you would have had to do any way to get the property.

In your shoes, I would have been annoyed and would have asked the Landlord why he failed to ask for my permission that I would of course have given, but in the end, the outcome would have been the same, so wouldn't get on my high horse about it as you seem to be doing.

Sue him if you want, but indeed, do your research first so that you are sure that 1/ you definitely didn't give him permission (maybe you did when giving your employer details), and 2/ that as the above poster pointed, that what was carried out was indeed a credit check for the purpose of the law in question.

Alternatively, you could tell yourself that you are lucky that he has shown to be a LL you wouldn't want before signing the contract as you got a way out.

Marvel1

I wouldn't him a landlord sounds like a right !!!!.

cjmillsnun

Looking at what they provide. They provide a "credit score" - meaningless although by doing this, it means that your credit file is reviewed by a computer and run through an algorithm to provide the anonymised score - this could be being done directly by Equifax before being sent to LL.

In addition they look at the electoral roll (only the edited register is public)

and court/bankruptcy/insolvency records (looks like public information only)

and lastly (and this one is totally meaningless) whether you are in the phone book. This one is meaningless because many people a), don't have a landline or b) are ex directory.

RedRocket2017

Thanks everyone. I'm just amazed that basically anyone could sign up to Mudhut and request credit information on anyone, simply by stating that they have permission. Then they could get the person's bank accounts, credit card companies etc, and with the person's address and DOB, they could easily start applying for credit...I'm worried now about the potential misuse of my data, i.e identity fraud. I'm completely blown away that they'll give out entire personal financial history to someone with no permission to access that data. I've formally raised t up with Mudhut, and they didn't care, so I've now forwarded my complaint about them to the ICO, which made the CEO of Mudhut very angry...

stator

They aren't giving away your personal financial history. They're not giving credit card balances or arrears.
They give a credit score (even though it's probably rubbish) and public data.

Guest101

All they see is PUBLIC data so no breach has occurred.