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  • FIRST POST
    • realgonekid
    • By realgonekid 8th Aug 18, 9:43 PM
    • 44Posts
    • 15Thanks
    realgonekid
    Tracing on credit file
    • #1
    • 8th Aug 18, 9:43 PM
    Tracing on credit file 8th Aug 18 at 9:43 PM
    Hi
    Is it possible for a firm to do a trace/search of someone using any of the 4 CRA's and leave no trace what so ever so the person in question would never know about it.(so no foot print what so ever )
    I have read in various places that firms can do this. Is this even possible in any way? Would be interesting to hear from the experian rep
Page 1
    • Gary_Dexter
    • By Gary_Dexter 8th Aug 18, 9:44 PM
    • 2,374 Posts
    • 1,328 Thanks
    Gary_Dexter
    • #2
    • 8th Aug 18, 9:44 PM
    • #2
    • 8th Aug 18, 9:44 PM
    The question is why do you want to know?
    • realgonekid
    • By realgonekid 8th Aug 18, 9:47 PM
    • 44 Posts
    • 15 Thanks
    realgonekid
    • #3
    • 8th Aug 18, 9:47 PM
    • #3
    • 8th Aug 18, 9:47 PM
    I am wanting to know as I want to know if I could be the victim of it without being able to trace the company that did it
    • antrobus
    • By antrobus 8th Aug 18, 10:22 PM
    • 16,130 Posts
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    antrobus
    • #4
    • 8th Aug 18, 10:22 PM
    • #4
    • 8th Aug 18, 10:22 PM
    Searches through Credit Reference Agencies such as Equifax, Experian and CallCredit are the most common tracing tools used by agencies.

    Tracing Factsheet
    http://www.csa-uk.com/assets/documents/factsheets/trace_factsheet_2015.pdf

    I'd guess it would show up as a soft search on your credit record. In any case, if someone is looking for you they will have a reason, so if they believe they have found who they are looking for, they'll soon be in touch.

    I am wanting to know as I want to know if I could be the victim of it without being able to trace the company that did it
    Originally posted by realgonekid
    A victim of what exactly? If you owe money and have gone awol, your creditors are entitled to go looking for you.
    • sparkey1
    • By sparkey1 8th Aug 18, 10:57 PM
    • 439 Posts
    • 193 Thanks
    sparkey1
    • #5
    • 8th Aug 18, 10:57 PM
    • #5
    • 8th Aug 18, 10:57 PM
    4 CRAs... There are 3, unless I have missed something.


    Yes it is. Also companies can buy electoral role data. So if you have not very common name they can trace using that as well.
    • Craig1981
    • By Craig1981 9th Aug 18, 6:04 AM
    • 348 Posts
    • 162 Thanks
    Craig1981
    • #6
    • 9th Aug 18, 6:04 AM
    • #6
    • 9th Aug 18, 6:04 AM
    local councils do it for tracing people who have skipped out on rent or council tax debt without leaving any forwarding info, well within their right to do so.

    to be clear - the search brings up basic information and addresses only. it will not tell them that you have a vodafone contract owing 1000. it will say you have a telecommunications credit account attached to a certain address and the date.
    • realgonekid
    • By realgonekid 9th Aug 18, 6:19 AM
    • 44 Posts
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    realgonekid
    • #7
    • 9th Aug 18, 6:19 AM
    • #7
    • 9th Aug 18, 6:19 AM
    There are 4 CRA's the 4th one being Crediva ( Lexis Nexis)

    I am not saying companies don't have a right to search people are missing the whole point here.....

    What I am asking is it all possible to search a credit file of someone and leave no foot print what so ever.

    ( electoral roll data is a different issue )
    • Willing2Learn
    • By Willing2Learn 9th Aug 18, 6:33 AM
    • 1,617 Posts
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    Willing2Learn
    • #8
    • 9th Aug 18, 6:33 AM
    • #8
    • 9th Aug 18, 6:33 AM
    Holy cow...Crediva actually exist and appear to be a CRA...I never knew that!!!
    I work within the voluntary sector, supporting vulnerable people to rebuild their lives.

    I love my job

    • Craig1981
    • By Craig1981 9th Aug 18, 6:34 AM
    • 348 Posts
    • 162 Thanks
    Craig1981
    • #9
    • 9th Aug 18, 6:34 AM
    • #9
    • 9th Aug 18, 6:34 AM
    i believe the only print left will be if it were for credit search - quotations for car insurance, credit card applications etc
    track and trace uses different criteria, so not exactly sure

    councils use Experian track and trace - check with Experian if they leave a footprint or not
    • Gary_Dexter
    • By Gary_Dexter 9th Aug 18, 10:05 AM
    • 2,374 Posts
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    Gary_Dexter
    They would only be doing it for a reason.

    So I don!!!8217;t think you would be classed as a !!!8220;victim!!!8221;
    • realgonekid
    • By realgonekid 9th Aug 18, 10:41 AM
    • 44 Posts
    • 15 Thanks
    realgonekid
    Again your missing the point.... It's the ability of any firm to do a trace without leaving any foot print......
    • Gary_Dexter
    • By Gary_Dexter 9th Aug 18, 10:42 AM
    • 2,374 Posts
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    Gary_Dexter
    As they may well be entitled to do.

    You!!!8217;d only have to be worried about it if you have something to hide
    • realgonekid
    • By realgonekid 9th Aug 18, 10:44 AM
    • 44 Posts
    • 15 Thanks
    realgonekid
    Hopefully the experian rep will see this And confirm either way
    • Thrugelmir
    • By Thrugelmir 9th Aug 18, 10:53 AM
    • 60,153 Posts
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    Thrugelmir
    Again your missing the point.... It's the ability of any firm to do a trace without leaving any foot print......
    Originally posted by realgonekid
    Experian operate GAIN (Gone Way Information Network). When the individual resurfaces the creditor is notified.
    Financial disasters happen when the last person who can remember what went wrong last time has left the building.
    • Gary_Dexter
    • By Gary_Dexter 9th Aug 18, 11:06 AM
    • 2,374 Posts
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    Gary_Dexter
    The Experian rep hasn!!!8217;t posted on here for a LONG time
    • realgonekid
    • By realgonekid 9th Aug 18, 2:43 PM
    • 44 Posts
    • 15 Thanks
    realgonekid
    The question is why do you want to know?
    Originally posted by Gary_Dexter
    Experian operate GAIN (Gone Way Information Network). When the individual resurfaces the creditor is notified.
    Originally posted by Thrugelmir
    Thanks I am aware of GAIN , but what I am talking about is where a company has been paid to do a trace . It's not a question of being right or wrong etc
    • sparkey1
    • By sparkey1 9th Aug 18, 2:57 PM
    • 439 Posts
    • 193 Thanks
    sparkey1
    I beleive it is possible to do a search on your file, without you knowing it.

    However unless MI5, the NCA etc are after you dont worry about it.
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