Why would you do a credit rating on parent?

Woolington

Can you prove what?

That recent searches were made. Are they usually made online? sorry for all the questions, it's bugged me for a long time!

[Deleted User]

Organisations he's borrowed money from. Not anyone he's lent it to.

It would be easiest for him to order his reports from the three CRAs himself.

Woolington

Organisations he's borrowed money from. Not anyone he's lent it to.

thank you so much! I wish I'd paid more attention now! the letter is with a solicitor, so completely in the right hands!

phillw

Woolington wrote: »

so it wouldn't include savings, just organisations he's lent money from? so credit arrangements?

Yes, in the case of a current account it will show if you are using an overdraft but if there is a positive balance then it will show as £0.

Someone might do it if they were worried that the house they thought they were inheriting was mortgaged, or if they were worried an elderly relative had been conned into signing up to a load of mobile phone contracts.

Technically it's a data protection violation, most of them require you to know a lot of information about your finances before you can access it.

Woolington

thank you Phillw

most of them require you to know a lot of information about your finances before you can access it.

so more than just account numbers? I'm trying to work out how sustained the family member was in getting the info.

phillw

Woolington wrote: »

so more than just account numbers? I'm trying to work out how sustained the family member was in getting the info.

You don't normally need account numbers. Accessing online you have to answer three multiple choice questions like: "You opened a bank account on such and such a date, was it a) barclays b) halifax etc."

Applying for one via post might require less, because they are sending it to your name and address.

macman

It would include utility companies: gas, electricity, phone, mobile, water. All these give you credit, so it doesn't have to be a bank loan or credit card.

sourcrates

Please use the quote button.

anniecave

macman wrote: »

It would include utility companies: gas, electricity, phone, mobile, water. All these give you credit, so it doesn't have to be a bank loan or credit card.

It will only include any of the above if the companies choose to report the accounts as credit accounts. I've personally never seen water accounts reported, not all gas/electricity suppliers report, only certain mobile phone contracts would be listed (not Pay as you go for example) and a lot of landline/internet providers don't report either.

mwarby

The report you get from CRA will show all searched (for last year I think) including the search to produce the report, this would show if a report had been ordered.