Currently yes under a Tribunal ruling of 1990 or 1991. family data is
extremely predictive of risk and is also a fraud prevention measure. Some
members of the family e.g. separated partners, children etc. can
dis-associate from each other. Discussions are currently underway between
industry and ODPC about the future role of 3rd party data. watch this space.
Alasdair Warwood
(former Director, Consumer and Legal Affairs Experian)
----- Original Message -----
From: Richard Howley <[log in to unmask]>
To: <[log in to unmask]>
Sent: Thursday, January 25, 2001 2:08 PM
Subject: Credit file data
> I recently sent for my credit file (value for money for a £2 fee) from a
> well know credit refernce agency. It promptly arrived and much to my
> surprise it contained pages of information about my wife's financial
> affairs. Now I guess its reasonable for the file to record that the
mortgage
> is in joint names and for it to show that I am the main holder of a credit
> card account for which I have approved a second card in her name.
>
> But I was surprised (and she very angry) that it also contained the
details
> of her personal credit cards, the date she took it out, her credit limit,
> her current balance and so on. It also showed a list of previously held
and
> now closed accounts for catalogues, credit cards, store cards, etc, in her
> (sole) name. Also shown was a monthy update on payments to all these
> accounts, ie. ontime, missed, etc.
>
> Is this legal?
>
> Richard
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