Re: need to request personal data from credit reference agencies

two_armed_bandit

Evening!

I was looking up a companies "company policy documents" and they stated that they may, in certain instances – notably in compliance of Money Laundering regulations – need to request personal data from credit reference agencies or similar. In particular they use SmartSearch. found hear https://www.smartsearch.com/privacy-notice

I mean what does all this mean? I mean if I was to go along with said company, what information are they going to take from me? and will they preform credit checks on me or not? if so what information will they gain about me and where will they get it from?

thanks

molerat

Bankruptcies and indebtedness - are you a risk to them. Putting someone with a lot of debt in front of piles of cash could present a problem. All that is held on your credit files, National Hunter and CIFAS. The policy may be general but likely only used for specific roles, the prospective cleaner will not face the same scrutiny as the cash handler. Many of these policies are to cover all possibilities / eventualities giving them options and not what they will actually do.

eskbanker

https://forums.moneysavingexpert.com/discussion/6683440/re-need-to-request-personal-data-from-credit-reference-agencies

If their privacy policy document doesn't clarify the answers to your questions, then sharing the name of the company on here might…

dumpster_fire2025

https://forums.moneysavingexpert.com/discussion/6683440/re-need-to-request-personal-data-from-credit-reference-agencies

Who the company is is important here.

There are "principles of reciprocity" which limit who can get what from a CRA. A non-lender (for example perhaps a company performing tenancy checks) won't be able to see information on payment histories, your credit accounts etc as they won't be sharing that information with the CRAs. They would see things like CCJ and bankrupcty infomation as these are a matter of public record as well as information on things such as previous addresses and your basic personal information as this will be something they're sharing with the CRAs.

So, who is this company?

two_armed_bandit

The company is fleurets. they are a multi corps letting agency

https://www.fleurets.com

dumpster_fire2025

https://forums.moneysavingexpert.com/discussion/comment/82138040#Comment_82138040

Well, as they're not a lender then what they will see is going to be limited to basic personal information (address history, aliases etc) and public ally available financial information such as bankruptcies, DROs and CCJs.

two_armed_bandit

https://forums.moneysavingexpert.com/discussion/comment/82138164#Comment_82138164

What are DROs?

Is there anyway I can find out myself if there are any out standing bankruptcies and CCJs against me please?

eskbanker

https://forums.moneysavingexpert.com/discussion/comment/82140727#Comment_82140727

DROs are debt relief orders.

You can check your credit files yourself, see https://www.moneysavingexpert.com/loans/check-free-credit-report/

Is there a subtext to your question, i.e. that you know you have adverse financial circumstances and are trying to ascertain who can find out about them, or is this just a generic hypothetical question?

two_armed_bandit

https://forums.moneysavingexpert.com/discussion/comment/82140908#Comment_82140908

I have followed the process in that link you provided and I am trying to register for the credit check with the site (MSE). But there is a an error as my address is not on the drop down list and there is no manual input for this either!

I have tried to contact the team at reply@bounce.account.moneysavingexpertmail.com but its saying that the address is a no reply address

Dose anyone know how I can contact the team please?

MSE_James

Hello - you can reach the team at creditclub@moneysavingexpert.com

two_armed_bandit

https://forums.moneysavingexpert.com/discussion/comment/82143695#Comment_82143695

i have had a reply from that email address. and all that it is, is an automated spam bot telling me they are unable to do anything about it