Credit Reporting Agencies Act 2010 notice

Under the Credit Reporting Agencies Act 2010, a credit reporting agency may disclose a credit report to a subscriber only for a purpose the subscriber declares, and only where the subject has consented.

What we declare

Every enquiry we make carries a purpose code. For a new application that purpose is credit evaluation on the subject with consent.

Your rights

You may obtain your own credit report directly from CTOS, ask to be told why an enquiry was made, and dispute any entry you believe is wrong under section 42. Requesting your own report does not affect your score.

What we may not do

We may not show you the contents of a report we obtained about you, or your score. That disclosure belongs to the agency, not to us.