Credit reference agencies (CRAs) collect and maintain information on consumers' and businesses' credit behaviour, on behalf of organisations in the UK.
Fraud prevention agencies (FPAs) collect, maintain and share, information on known and suspected fraudulent activity. Some CRAs also act as FPAs.
You have applied for a loan from us at CASH4UNOW.CO.UK and we will check our own records, we will also contact CRAs to obtain information on your credit behaviour with other organisations. This will help us to make the best possible assessment of your overall situation, before we make a decision.
Publicly available information:
You will be told when you apply for an account if your application data is to be supplied. The next section of this webpage will tell you how, when and why we will search at the CRAs and FPAs and what we will do with the information we obtain from them. We will also tell you if we plan to send payment history information on you or your business, if you have one, to CRAs. You can ask at any time the name of the CRAs and FPAs we use.
We and other organisations want to make the best possible decisions we can, in order to make sure that you will be able to repay us. Some organisations may also use the information to check your identity. In this way we can ensure that we all make responsible decisions. At the same time we also want to make decisions quickly and easily and, by using up to date information, provided electronically, we are able to make the most responsible and fair decisions possible.
All organisations that collect and process personal data are regulated by the Data Protection Act 1998, overseen by the Information Commissioner's Office. All CRAs are in regular dialogue with the Commissioner. Use of the Electoral Register is controlled under the Representation of the People Act 2000.
No. Access to your information is very strictly controlled and only those that are entitled to do so may see it. Usually that will only be with your agreement or very occasionally if there is a legal requirement.
You can contact the CRAs currently operating in the UK; the information they hold may not be the same, so it is worthwhile contacting them all. They will charge you a small statutory fee.