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What credit reference and fraud prevention agencies do

When a credit reference agency receives a request for information from us, when you first become liable for charges for our services, they will:

a) Place a search “footprint” on your credit file. The record of that search (but not the name of the organisation that carried it out) may be seen by other organisations when you apply for credit in the future.

b) Link together the records of you and anyone that you have advised is your financial associate including previous and subsequent names of parties to the account.

Links between financial associates will remain on your and their files until such time as you or your partner successfully files for a disassociation with the credit reference agency.

Supply to us:

a) Credit information such as previous applications and the conduct of the accounts in your name and of your associate(s) (if there is a link between you – see b above) and/or your business accounts (if you have one).

b) Public information such as County Court Judgments (CCJ’s) and bankruptcies.

c) Electoral Register information.

d) Fraud prevention information.

When information is supplied by us, to them, on your account(s):

a) A Credit reference agency will record the details that are supplied on your personal and/or business account (if you have one) including any previous and subsequent names that have been used by the account holders and how you/they manage it/them.

b) If you owe us money and do not repay in accordance with our payment terms, the credit reference agency will record the missed payments and/or default.

c) Records shared with credit reference agencies remain on file for 6 years after they are closed, whether settled by you or defaulted.

How your data will NOT be used by a credit reference agency:

a) It will not be used to create a blacklist.

b) It will not be used to create marketing lists.

Financial associates (see note 1) may “break the link” between them if their circumstances change such that they are no longer a financial unit. They should apply for their credit file from a credit reference agency and file for a “disassociation”.

How your data WILL be used by a credit reference agency:

The information which we and other organisations provide to the credit reference agencies about you, your financial associates and your business (if you have one) may be supplied by credit reference agencies to other organisations and used by them to:

i) Prevent crime, fraud and money laundering by, for example checking details provided on applications for credit and credit related or other facilities.
ii) Check the operation of credit and credit-related accounts.
iii) Verify your identity if you or your financial associate applies for other facilities.
iv) Make decisions on credit and credit related services about you, your partner, and other members of your household or your business.
v) Manage your personal, your partner’s and/or business (if you have one) credit or credit related account or other facilities.
vi) Trace your whereabouts and recover debts that you owe.
vii) Undertake statistical analysis and system testing.

How your data may be used by fraud prevention agencies:

a) The information which we and others provide to the fraud prevention agencies about you, your financial associates and your business (if you have one) may be supplied by fraud prevention agencies to other organisations and used by them and us to:

Prevent crime, fraud and money laundering by, for example:

i. Checking details provided on applications for credit and credit related or other facilities.
ii. Managing credit and credit related accounts or facilities.
iii. Cross Checking details provided on proposals and claims for all types of insurance.
iv. Checking details on applications for jobs or when checked as part of employment.

b) Verify your identity if you or your financial associate applies for other facilities including all types of insurance proposals and claims.

c) Trace your whereabouts and recover debts that you owe.

d) Conduct other checks to prevent or detect fraud.

e) We and other organisations may access and use from other countries the information recorded by fraud prevention agencies.

f) Undertake statistical analysis and system testing.

Your data may also be used by credit reference agencies or fraud prevention agencies for other purposes for which you give your specific permission or, in very limited circumstances, when required by law or where permitted under the terms of the Data Protection Act 1998.

How your data may be used by Southern Water is covered within our Privacy Statement.

 
 
 
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