ni consumer council : ico credit explained catherine vint and nigel treanor ico ni
TRANSCRIPT
NI Consumer Council :ICO Credit Explained
Catherine Vint and Nigel Treanor ICO NI.
Which Act allows me to get information on my credit file?
1: Freedom of Information Act 2000
2: Data Protection Act 1998
3: Consumer Credit Act 1974
4: Consumer Protection Act 1987
Which of the following will you need to obtain your credit file?
1: Your bank statements going back 5 years
2: A cheque or postal order for £2
3: Details of your identity, including full name, address, data of birth and any other names you have used in past 6 years
4: Any other information credit reference agencies may require?
How long does a credit reference agency have to respond to yourrequest for your credit reference file
1: 40 calendar days
2: 7 working days
3: 7 calendar days
4: 40 working days
I have my credit reference file but some of the information is wrong.What can I do?
1: Contact the credit reference agencies
2: Write to the lender
3: Give your full name and address and any proof why you think the information is wrong
4: If your query is about accuracy contact the relevant agency
5: Keep a copy of any letters you send
Answer – All correct.
The credit reference agency has notreplied to my letter within 28 days, or it has replied to my letter but taken no action – what can I do?
1: There is nothing I can do
2: Add a notice of correction
3: Complain to the Information Commissioner
Information Information Commissioner’s OfficeCommissioner’s Office
51 Adelaide Street BelfastBT2 8FE
02890 [email protected]