Who can do a hard search? Just about anyone?

tenchy

bazzyb wrote: »

Not sure how many answers to the same question you would like, but refer back to posts 2, 4, 7 and 9. They need to be a business that provides credit to a customer to do a hard search. If they are an intermediary such as a broker, they can only do a soft search. There is no requirement to provide account data back to the bureau in return.

Yes there is:


http://www.experian.co.uk/consumer/faq/R1.html


See point three, second line of answer. I just found it. So unless this is out of date, I don't understand how ChattyChappy (OP of original thread) manages to hard search people if he doesn't also update the bureau with their account handling data.


Maybe Experian could come along and clarify ......

[Deleted User]

I still think you're reading too much into this.

Are you particularly worried about something from your side, personally?

tenchy

!!! wrote: »

I still think you're reading too much into this.

Are you particularly worried about something from your side, personally?

No, nothing from me. I don't have any credit-related issues. I'm just interested in how the system works. It's difficult, if not impossible, to find out at times, the current issue being symptomatic of the problem - conflicting information, opinions rather than facts.


Going back to the "who can do a hard search" question, it seems a much larger set of people/organisations can do this and the business of requiring permission to do a search is a classic example of smoke and mirrors.