Callcredit is committed to the responsible, secure and safe management of consumer data for the purpose of credit referencing, credit scoring and providing electronic proof of your identity. As such, we will check the details you provide with fraud prevention agencies and share your information with them if we suspect a fraud. We may suspect fraud if you provide false or inaccurate information and we will keep a record of this. The Credit Report Services demonstrate Callcredit's commitment to upholding transparency in how your data is managed by us by providing you with direct access to your own personal credit file.
Callcredit is mindful of the importance of upholding the security of information under our control. All data collected through the Online Statutory Credit Report website located at www.callcreditstatreport.co.uk ('Website') that is stored electronically, is stored on secure servers, and we have stringent security and confidentiality procedures covering the storage and disclosure of such information, in accordance with the Data Protection Act 1998.
We endeavour to take all reasonable steps to protect the privacy of your personal information. However, we cannot guarantee the security of any personal information you disclose on-line. You accept the inherent security risks of providing information and transacting over the Internet, and will not hold us responsible for any breach of security, unless this is due to our negligence or wilful default.
For the purposes of the Data Protection Act 1998, the data controller is Callcredit Limited of One Park Lane, Leeds, West Yorkshire, LS3 1EP and the nominated representative is Head of Compliance.
What personal information do we collect?
Why do we collect your personal information?
We collect personal information from you for the following reasons:
1. Verifying your identity:
We will collect information which will help us to verify your identity, such as email addresses, usernames and passwords, along with other personal information we will need in order to provide you with a copy of your credit file or credit score (if applicable). This will include, for example, your name, date of birth, your residential address and postcode. This information will be checked against external databases, such as the electoral roll and your credit file, to which we have access for this purpose. We will collect and store a record of the check as well as any additional information you provide, including (but not limited to) aliases, previous addresses and financial associations. This information may be disclosed to authorised third parties through our credit referencing, fraud prevention and identification products.
If false or inaccurate information is provided and fraud is identified, details will be passed to fraud prevention agencies to prevent fraud and money laundering. Law enforcement agencies may also access and use this information. We and other organisations may also access and use this information to prevent fraud and money laundering, for example when: checking details on applications for credit and credit-related or other facilities; managing credit and credit-related accounts or facilities; recovering debt; checking details on proposals and claims for all types of insurance; checking details of job applicants and employees. Please contact us at Callcredit Limited, PO Box 491, Leeds LS3 1WZ if you want to receive details of the relevant fraud prevention agencies. We and other organisations may access and use from other countries the information recorded by fraud prevention agencies.
Further details explaining how the information held by fraud prevention agencies may be used can be obtained by contacting Callcredit Limited, PO Box 734, Leeds LS1 9GX.
2. Processing your requests:
As part of the Credit Report Services we will obtain electronic copies of your credit reference file from Callcredit Limited and this will be stored in a private area accessible by you as part of this service.
Any e-mail or mobile telephone numbers provided to us will be recorded and used to communicate with you in connection with the Credit Report Services or queries concerning the data held within the credit reports.
3. Monitoring the relevance of the Credit Report Services:
In order for us to ensure that our service is user-friendly and to help improve the content and user experience of the Website, the Website automatically gathers information on the number of visitors and readership patterns of the different pages. This allows us to tailor the Website to match your interests and preferences better and understand who has visited which pages to determine the most popular areas of the Website. We may also collect cookies and IP addresses for system administration and to report aggregate non-personalised information to our business contacts, selected third parties, sponsors or advertisers (such as anonymous statistics related to the take up or use of services, or to patterns of browsing).
What are “cookies” and how do we use them?
If you wish, you can usually adjust your browser so that your computer does not accept cookies. Alternatively you can adjust your browser to tell you when a website tries to put a cookie on your computer. How you adjust your browser to erase cookies, stop it accepting cookies or to notify you of them will depend on the type of Internet browser programme your computer uses. Please refer to your browser instructions or help screen to learn more about these functions.
Your browser also generates other information, including your IP address. An IP address is a set of numbers, which is assigned to your computer during a browsing session whenever you log on to the Internet. Your IP address is automatically logged by our servers and used to collect traffic data about visitors to our Website. We do not use your IP address to identify you personally.
What information do parties other than Callcredit collect?
Some websites that have links to and from our Website from time to time may also use their own cookies. We have no access to, or control over these cookies, and you are advised to check the cookie policies on such other websites.
Who do we share your personal information with?
1. Necessary Disclosure:
It is necessary to disclose your personal information to:
(a) employees and agents of Callcredit for the purpose of administrating your accounts in relation to the Credit Report Services ;
(b) the Administrator (as defined in the Callcredit Services Agreement) for the purposes of administering the arrangements we have with the Administrator to provide you with the Credit Report Services;
(c) organisations including financial services, insurance providers and credit and debt collection agencies who in turn may use some of the information to help to assess an individual for credit or for the prevention of identity fraud; and (c) anyone who may take over the operation of the Website or who may purchase any or all of our assets, including your personal information (we will contact you using the details you provide if there is any change in the person controlling your information); and
As a result of us disclosing your personal information to any of the parties mentioned above, your personal information may be held by us and additionally by the parties mentioned above.
2. Third Party Disclosure:
Please note that we may disclose your personal information:
to our selected agents, sub-contractors and third party processing companies for the purposes of market research and for analytical and statistical purposes; to any third party, but only to the extent that we are required to do so by law; to fraud prevention agencies to prevent fraud and money laundering if false or inaccurate information is provided and fraud is identified.
Your Rights to see your personal data
You have the right to see the personal data (as defined in the Data Protection Act 1998) that we keep about you, on receipt of a written request, verification of your identity, and payment of a fee. If you are concerned that any of the personal information we hold on you is incorrect, please contact us at either of the addresses in the “Contact us” section below.