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Your credit file will show each right time a loan provider has seen your details in addition to explanation they did therefore.

Your credit file will show each right time a loan provider has seen your details in addition to explanation they did therefore.

How can you understand that has looked over your report?

Your credit file will show each time a lender has seen your details as well as the explanation they did therefore. This can be called a ‘footprint’ (Central Credit join report) or ‘history of enquiries’ (ICB report). It indicates that you will understand who may have looked over your credit file so when. You must be provided by every lender with information on any credit guide agency this has utilized whenever assessing the application for the loan.

Demand a noticeable change to your credit file

Exactly what can you will do if you have information that is incorrect your credit file? You’ve got the right beneath the General Data Protection Directive (GDPR) to access the records held about you by credit reporting agencies and also to have information that is incorrect. If you’re perhaps not content with exactly how your request is managed, it is possible to attract into the information Protection Commission. You have a right to apply to your lender and the Central Bank to amend the information held on the Central Credit Register if you believe there is inaccurate, incomplete or out of date information in your credit report.