I was surprised to see that not all my loans etc were recorded on it. I also saw that in January, (when I was moving money about, but didn't actually spend any) that my main bank queried my credit report, even though I hadn't applied for any credit, and everything was current and up to date, and all accounts had credit balances.
My question is: do my bank have the right to query my report even if I'm not applying for anything?
2007-05-12 19:53:47 · 5 answers · asked by RM 6 in Business & Finance ➔ Personal Finance
That information is available to anybody who wants it, they don't need to justify it.
2007-05-13 01:06:25 · answer #1 · answered by gerrifriend 6 · 0⤊ 0⤋
It might have been a sales team at you bank deciding whether or not to contact you to try to get you to take a new loan or credit card?
2007-05-13 06:04:25 · answer #2 · answered by Diablo 3 · 0⤊ 0⤋
Your credit rating does not belong to you :-)
It belongs to Experian (and the others) who generate the ratings and they can sell access to who-ever they like ... visit ther web site and see ...
You have the right to see what they say about you - but even you have to pay :-)
2007-05-12 21:41:26 · answer #3 · answered by Steve B 7 · 0⤊ 0⤋
Yes they do it is to try to stop financial crime. Nothing to worry about if it is all above board.
2007-05-12 20:10:44 · answer #4 · answered by scorpiotoo2000 4 · 0⤊ 0⤋
yes to see if you qualify for an account
2007-05-12 20:02:09 · answer #5 · answered by Steven C 7 · 0⤊ 0⤋