Credit file and GDPR

sargeantsalt

nic_c wrote: »

Is it a problem? Comply with the T&C of the products you sign up to and there is no problem. People don't complain because their impeccable credit history is being reported, but because they were late, defaulted, etc and that is being reported and so affects them being viewed by new companies equally to someone with a good credit score.

Inability to get credit is not the only type of problem. An impeccable credit record can still be misused.

It should be obvious that there are numerous situations where it is a disadvantage that all your finances are visible at a glance!

Brooker_Dave

Deleted_User wrote: »

You'll need to wait for them to invent the made up blacklist before you can opt out of it.

CRA lists are indeed blacklists, miss some monthly phone payment and you are considered !!!!less scum who no company should deal with.

The weak of mind have been brainwashed into thinking that CRA blacklists are somehow there to help ordinary people, instead they are there to harvest data and work against us.

We're living like East Germans.

Brooker_Dave

nic_c wrote: »

If you don't want to be on there, don't use companies that report to them or any products that would be reported to them.

Or just withdraw your consent, as the law clearly allows.

[Deleted User]

Brooker_Dave wrote: »

CRA lists are indeed blacklists, miss some monthly phone payment and you are considered !!!!less scum who no company should deal with.
.

Still not a blacklist.

CRAs don't make the decisions you seem to think they do.

PixelPound

Brooker_Dave wrote: »

Or just withdraw your consent, as the law clearly allows.

It doesn't say in all cases. You can withdraw consent in some circumstances, but the company can refuse -
https://ico.org.uk/your-data-matters/the-right-to-object-to-the-use-of-your-data/