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postcode lottery limited - search on credit report

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christhesparky_2
christhesparky_2 Posts: 355 Forumite
First Post First Anniversary Combo Breaker
edited 1 June 2021 at 10:47PM in Credit file & ratings
Evening 
Could anybody give me an idea on why and how, without my permission that Peoples Lottery Limited have done an Identification generic check on my Experian credit file. I have not and dont plan on playing the postcode lottery, therefore dont know how a search has appeared on my report. I understand that it is a soft search, and doesn't impact my credit file, but surely they shouldn't be searching at all without my permission? 

Thanks 
Last Cigarette 24/6/09

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  • [Deleted User]
    [Deleted User] Posts: 35,242 Forumite
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    edited 1 June 2021 at 10:20PM
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    Simply ask them the basis under which the search has been done.
  • phillw
    phillw Posts: 5,599 Forumite
    First Anniversary Name Dropper First Post
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    Could anybody give me an idea on why and how, without my permission that Peoples Lottery Limited have done an Identification generic check on my Experian credit file. 
    Maybe a data matching issue with someone with similar details?

  • Nugget2022
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    Evening 
    Could anybody give me an idea on why and how, without my permission that Peoples Lottery Limited have done an Identification generic check on my Experian credit file. I have not and dont plan on playing the postcode lottery, therefore dont know how a search has appeared on my report. I understand that it is a soft search, and doesn't impact my credit file, but surely they shouldn't be searching at all without my permission? 

    Thanks 
    This has happened to my partner. We looked at his credit report boom postcode lottery has done a soft search. We call up to ask why because we have never contacted them or enquired about postcode lottery before.We called and they said that they bought data from the Read group. So...atm it looks like Data has been bought and then used to do a soft search with out permission. I suggest if you haven't already, you should call and get removed off of their files.
  • Nugget2022
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    Evening 
    Could anybody give me an idea on why and how, without my permission that Peoples Lottery Limited have done an Identification generic check on my Experian credit file. I have not and dont plan on playing the postcode lottery, therefore dont know how a search has appeared on my report. I understand that it is a soft search, and doesn't impact my credit file, but surely they shouldn't be searching at all without my permission? 

    Thanks 
    This has happened to my partner. We looked at his credit report boom postcode lottery has done a soft search. We call up to ask why because we have never contacted them or enquired about postcode lottery before.We called and they said that they bought data from the Read group. So...atm it looks like Data has been bought and then used to do a soft search with out permission. I suggest if you haven't already, you should call and get removed off of their files.
    fyi peoples  lottery limited is postcode lottery
  • [Deleted User]
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    Soft searches will disappear over time anyway, lenders don't see them but you could try and invoke the right to be forgotten, see if they can defend keeping your data
  • Nugget2022
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    They got back to us. They are going to remove it but what do they gain in doing a soft search on people that do not use/access their product/service?
    Thank you for the information about soft searches disappearing. 
  • [Deleted User]
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     They are going to remove it but what do they gain in doing a soft search on people that do not use/access their product/service?

    To see if you're a likely target for marketing.
     
    No point in searching those who already do use the product.
  • LaDerniereSemaine
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     They are going to remove it but what do they gain in doing a soft search on people that do not use/access their product/service?

    To see if you're a likely target for marketing.
     
    No point in searching those who already do use the product.
    I don't see what they'd really gain out of an ID check though, they will still plough the usually unaddressed junk mail through your letterbox anyway.
  • [Deleted User]
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    Individual profiling doesn't apply to unaddressed mail where it's being done purely via demographics. 

    The searches are for targeted activity, where the costs are higher so you need to eliminate wastage and target effectively.
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