Credit reference agencies

• We may undertake a search with Credit References Agencies for the purposes of verifying identity and the details submitted, in line with regulatory requirements. The Credit References Agencies may check the details supplied against any database (public or otherwise) to which they have access. They may also use the details in the future to assist other companies for verification purposes. A record of the search will be retained, but will not affect future credit. By proceeding with this application you are agreeing to a search being undertaken in this way.

• We use the following credit reference agencies for credit searches and identity checks:

• You have the right to apply directly to them for details of information, which they hold about you, subject to payment of a fee, currently £2. You should ensure that your letter includes :
  
  
  • Your full name : Title, Forename, 2nd Initial, Surname (and maiden name, if appropriate)
    
    
  • Details of all addresses you have lived at over the last 6 years - including town, county, postcode and date moved in
    
    
  • A cheque or postal order, payable to either Equifax or Experian, for £2.00
    
    
  • The date and your signature to authorise the Credit File request

Implications of a credit search

Whether or not your application to us is successful, each agency will add details of the search and your application to their records. This information will be shared with other lenders and grantors of credit and insurance who will use it when assessing any applications for banking, loan, hire facilities or insurance, which you or a member of your household may make in future. They will use it for fraud prevention, debt recovery and tracing debtors. The agencies may also use the information for statistical analysis and market research.