Quote:
Originally Posted by popper
as for the likes of Vigin Media etc using the CRAs to try and destroy your credit history by passing any and all (including invalid closed accounts that are wrongly still being billed by the Vm systems that many here and elsewere post about) defaults, thats another popular UK company scare tactic today.
the Credit Reference Agences DO NOT HAVE ANY LEGAL RIGHT TO STORE YOUR PERSONAL DATA IN LAW other than court ORDERED rulings,WITHOUT YOUR CONSENT END OF STORY.
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Not acording to the leflet I got from Experian when I ordered a copy of my credit file. It said that licended credit agencys are allowed to collect info about you and there nothing you can do about it. You can't even get them to correct something unless the company agrees with you, if they don't the only rights you've got is to have a explaination attached to your credit file.
For a company to search your credit file you've got to give permission but not for the credit agencys to keep the info.
Otherwise I could take out loads of loans, defualt on them, withdraw my permission for the data to be collected, have my credit file wiped of the bad debt and then start the process all over again. Ummm its a massive loophole don't you think to be left open.