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?