Mr.

Mohammed Ibraar

Equifax Credit Report

Created On: 13/01/2025
Reference: 202501131832557632864743

Equifax Limited is registered in England with Registered No. 2425920

Registered Office: 1 Angel Court, London, EC2R 7HJ
Equifax Limited is authorised and regulated by the Financial Conduct Authority

Consumer Protected

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 About Consumer Protected Documents
YOU WILL SEE THE TERM 'CONSUMER PROTECTED' USED THROUGHOUT THIS
DOCUMENT WHICH MEANS THAT IT SHOULD ONLY BE READ BY THE PERSON
WHOSE NAMED DETAILS ARE ON THE FRONT OF THIS DOCUMENT AND SHOULD
NEVER BE VIEWED WITHOUT THEIR PERMISSION.

If you are not the named person or authorised by the named person to access this document,
please contact Equifax immediately; see page 3 for our contact details

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About Equifax

Equifax is a Credit Reference Agency (CRA). We hold information about you which is used by
lenders and other companies to make decisions about (for example) whether they will offer you
credit or not. This information is shown in this credit report.

Your credit report includes information used to verify your identity, which may be collected from
public sources such as the electoral register. Your credit report also includes information relating to
your financial standing, which we may have received from companies with whom you have a
current or historic relationship, such as banks, telecoms providers and utility companies. Accessing
your credit report will allow you to view the information that third parties such as lenders may see
about you and review your financial commitments.

Below is summary information about how Equifax gathers and uses your personal information.
Further information is available in the Equifax Information Notice (EIN) available at
www.equifax.co.uk/ein.

In addition, Equifax in conjunction with the other credit reference agencies in the UK, Experian and
TransUnion (formerly Call Credit), have also drafted a separate document detailing how each CRA
commonly use and share personal data we receive about you and/or your business that is part of,
or derived from, or used in credit activity. We have called this document the Credit Reference
Agency Information Notice (CRAIN) and you can view it at www.equifax.co.uk/crain.

If you wish to have a copy of either notice posted to you, please contact our customer care team on
the details below.

If you need to contact us

Online
If you need help with your credit report you can view our frequently asked questions or you can
submit a query at www.equifax.co.uk/ask.

Post
You can write to us at Equifax Limited, PO Box 10036, Leicester, LE3 4FS.

Phone
Call us on 0800 014 2955* or 0333 3214043** Available 8am - 6pm, Monday to Friday (excluding
25th & 26th December).

*Calls are free from UK landlines and mobiles.

**Calls from 03 numbers are charged at no more than local rate. The cost of calls may vary depending on
your service provider. See call charge information page. https://www.gov.uk/call-charges

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Table of Contents

About Equifax
If you need to contact us
Table of Contents
Mr. Mohammed Ibraar’s Equifax Credit Report
1. Personal Information
2. Financial Associates
3. Electoral Register
4. Credit Agreements
5. Court and other public records
6. Notice of Correction
7. Searches
8. Property Valuation
9. Gone Away Records
10. CIFAS - UK Fraud Prevention Service
Q&A
Appendix A
Appendix B
Appendix C

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Mr. Mohammed Ibraar's Equifax Credit Report

1. Personal Information
These are the addresses you entered as part of your initial application.

Current Address

12 YORK CRESCENT
WEDNESBURY
WEST MIDLANDS
WS109JJ

Previous Addresses

No data present
There is no data present in this section. If you think there should be information included in your
credit report relevant to this category, please contact us using the details provided on page 3 of this
document.

Linked Addresses

Linked addresses are all the addresses that you have lived at where you have applied for or taken
out a credit agreement or account with a service provider.

Addresses become linked when:

You have provided a company your current and previous addresses and they do a credit
search against them
You tell a lender or service provider that you've moved - the next time they supply your account
information to us the new and old addresses will be linked.

We keep address links for as long as they're considered relevant for credit referencing purposes.

No data present
There is no data present in this section. If you think there should be information included in your
credit report relevant to this category, please contact us using the details provided on page 3 of this
document.

2. Financial Associates
Associate Information

These are the people you are financially linked to, typically by a joint credit application or account.
Lenders may view your data and your associates' data when making decisions on whether to grant
you credit. Similarly lenders may view your data when your associates apply for credit.

Financial associate links stay on your Equifax Credit Report until their removal is requested. Once
an account has been settled (closed) you can ask for the associate to be removed by contacting us
or the account provider.

Surname Title, First Name & Middle Initial

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 KOUSER MRS SHABANA

Alias Information

These are other names that you may have been previously known as, for example a maiden name.
We keep aliases for as long as they’re considered relevant for credit referencing purposes.

Surname Title, First Name & Middle Initial

KOSER SHABANA

3. Electoral Register

'The electoral register (sometimes called the ‘electoral roll’) lists the names
and addresses of everyone who’s registered to vote. There are two versions of the electoral
register:
the ‘open register’ and the ‘full register’.'

For further information on the electoral register, see Appendix A.

This data has been provided by your local authority.

Electoral Register at Current Address

Surname First Name & Dates on Changes Date of Birth

Middle Initial Electoral
Register

IBRAAR MOHAMMED 2015 - 2025 N/A N/A

Electoral Register at Previous Addresses

No data present
There is no data present in this section. If you think there should be information included in your
credit report relevant to this category, please contact us using the details provided on page 3 of this
document.

Electoral Register at Linked Addresses

No data present
There is no data present in this section. If you think there should be information included in your
credit report relevant to this category, please contact us using the details provided on page 3 of this
document.

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4. Credit Agreements
This section shows information provided by financial lenders and other service providers such as
utilities and telecoms companies that share information with Equifax. It includes details of existing
and previous accounts and historical information about your repayments.

Organisations typically update and supply this information to Equifax on a monthly basis and we
retain the data for up to six years after an account has been settled (closed), written off or defaulted.
Live accounts will remain on your Equifax Credit Report indefinitely. Not all organisations share data
with Equifax so we may not have information on all your accounts.

Open Credit Agreements

Hire Purchase Agreements

Hire Purchase from BLUE MOTOR FINANCE LTD (I)

Account Number XXXXXX0519

Address On Agreement 12 YORK CRESCENT WEDNESBURY

WEST MIDLANDS WS109JJ

Account Holder MR MOHAMMED IBRAAR

Date of Birth 25/11/1997

Repayment Terms 84 payments @ £212

Status Up to date with payments

Payment Frequency Monthly

Credit Limit N/A

Start Balance £17,836

Current Balance £17,411

Default/Delinquent Balance £0

Start Date 18/09/2024

Date Updated 04/12/2024

Date last Delinquent N/A

Date Satisfied N/A

Default Date N/A

Supplementary Information N/A

Payment History/ Account Number: XXXXXX0519

J F M A M J J A S O N D

2024 U 0 0

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 See Appendix A for explanatory information on payment statuses used above.

Loan Agreements

Loan from EE FLEX PAY (I)

Account Number XXXX6001

Address On Agreement 12 YORK CRESCENT WEDNESBURY

WEST MIDLANDS WS109JJ

Account Holder MR MOHAMMED IBRAAR

Date of Birth 25/11/1997

Repayment Terms 36 payments @ £28

Status Up to date with payments

Payment Frequency Monthly

Credit Limit N/A

Start Balance £1,028

Current Balance £171

Default/Delinquent Balance £0

Start Date 22/06/2022

Date Updated 12/01/2025

Date last Delinquent N/A

Date Satisfied N/A

Default Date N/A

Supplementary Information N/A

Payment History/ Account Number: XXXX6001

J F M A M J J A S O N D

2024 0 0 0 0 0 0 0 0 0 0 0 0

2023 0 0 0 0 0 0 0 0 0 0 0 0

2022 U 0 0 1 1 0 0

See Appendix A for explanatory information on payment statuses used above.

Utilities Agreements

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 Communications Supplier from EE LIMITED (I)

Account Number XXXXX2309

Address On Agreement 12 YORK CRESCENT WEDNESBURY

WEST MIDLANDS WS109JJ

Account Holder MR MOHAMMED IBRAAR

Date of Birth 25/11/1997

Repayment Terms N/A

Status Up to date with payments

Payment Frequency Monthly

Credit Limit N/A

Start Balance £0

Current Balance £0

Default/Delinquent Balance £0

Start Date 12/09/2018

Date Updated 15/12/2024

Date last Delinquent N/A

Date Satisfied N/A

Default Date N/A

Supplementary Information N/A

Payment History/ Account Number: XXXXX2309

J F M A M J J A S O N D

2024 0 0 0 0 0 0 0 0 0 0 0

2023 0 0 0 0 0 0 0 0 0 0 0 0

2022 0 0 0 0 0 0 0 0 0 0 0 0

2021 0 0 0 0 0 0 0 0 0 0 0 0

2020 0

See Appendix A for explanatory information on payment statuses used above.

Banking Agreements

Basic Bank Account from BARCLAYS BANK (I)

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 Account Number XXXXXXXXXXXXXX0620

Address On Agreement 12 YORK CRESCENT WEDNESBURY WEST

MIDLANDS WS109JJ

Account Holder MR MOHAMMED IBRAAR

Date of Birth 25/11/1997

Repayment Terms N/A

Status Up to date with payments

Payment Frequency Monthly

Credit Limit N/A

Start Balance £0

Current Balance £0

Default/Delinquent Balance £0

Start Date 22/06/2020

Date Updated 15/12/2024

Date last Delinquent N/A

Date Satisfied N/A

Default Date N/A

Supplementary Information N/A

Payment History/ Account Number: XXXXXXXXXXXXXX0620

J F M A M J J A S O N D

2024 0 0 0 0 0 0 0 0 0 0 0

2023 0 0 0 0 0 0 0 0 0 0 0 0

2022 0 0 0 0 0 0 0 0 0 0 0 0

2021 0 0 0 0 0 0 0 0 0 0 0 0

2020 0

See Appendix A for explanatory information on payment statuses used above.

Current Account from BARCLAYS BANK (I)

Account Number XXXXXXXXXXXXXX0124

Address On Agreement 12 YORK CRESCENT WEDNESBURY

WEST MIDLANDS WS109JJ

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 Account Holder MR MOHAMMED IBRAAR

Date of Birth 25/11/1997

Repayment Terms N/A

Status Up to date with payments

Payment Frequency Monthly

Credit Limit N/A

Start Balance £0

Current Balance £0

Default/Delinquent Balance £0

Start Date 17/01/2024

Date Updated 15/12/2024

Date last Delinquent N/A

Date Satisfied N/A

Default Date N/A

Supplementary Information N/A

Payment History/ Account Number: XXXXXXXXXXXXXX0124

J F M A M J J A S O N D

2024 U 0 0 0 0 0 0 0 0 0 0

2023

See Appendix A for explanatory information on payment statuses used above.

Closed Credit Agreements

Credit Card Agreement

Credit Card from LOWELL PORTFOLIO 1 LTD (I)

Account Number XXXXX8337

Address On Agreement 12 YORK CRESCENT WEDNESBURY

WEST MIDLANDS WS109JJ

Account Holder MR MOHAMMED IBRAAR

Date of Birth 25/11/1997

Repayment Terms N/A

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 Status Default

Payment Frequency Monthly

Credit Limit N/A

Start Balance £0

Current Balance £70

Default/Delinquent Balance £284

Start Date 10/09/2019

Date Updated 08/01/2025

Date last Delinquent N/A

Date Satisfied N/A

Default Date 30/04/2021

Payment Amount £0

Previous Statement Balance N/A

Cash Advance Amount N/A

Number of Cash Advances During Month 0

Credit Limit Change No Change

Minimum Payment No

Promotional Rate No

Supplementary Information N/A

Payment History/ Account Number: XXXXX8337

J F M A M J J A S O N D

2021 D

See Appendix A for explanatory information on payment statuses used above.

Banking Agreements

Current Account from LLOYDS BANK CURRENT ACCOUNTS (I)

Account Number XXXXXXXXXXXXXX/00P

Address On Agreement 12 YORK CRESCENT WEDNESBURY

WEST MIDLANDS WS109JJ

Account Holder MR MOHAMMED IBRAAR

Date of Birth 25/11/1997

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 Repayment Terms N/A

Status Settled

Payment Frequency Monthly

Credit Limit N/A

Start Balance £0

Current Balance £0

Default/Delinquent Balance £707

Start Date 27/08/2014

Date Updated 19/03/2024

Date last Delinquent N/A

Date Satisfied 19/03/2024

Default Date 16/07/2020

Supplementary Information N/A

Payment History/ Account Number: XXXXXXXXXXXXXX/00P

J F M A M J J A S O N D

2024 . . S

2023 . . . . . . . . . . . .

2022 . . . . . . . . . . . .

2021 . . . . . . . . . . . .

2020 D . . . . .

See Appendix A for explanatory information on payment statuses used above.

5. Court and Other Public Records

The government makes court judgments and other decrees and orders publicly available through
statutory public registers.

For further information on court and other public records, see Appendix A.

Public Records at Current Address

No data present
There is no data present in this section. If you think there should be information included in your
credit report relevant to this category, please contact us using the details provided on page 3 of this
document.

Public Records at Previous Addresses

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No data present
There is no data present in this section. If you think there should be information included in your
credit report relevant to this category, please contact us using the details provided on page 3 of this
document.

Public Records at Linked Addresses

No data present
There is no data present in this section. If you think there should be information included in your
credit report relevant to this category, please contact us using the details provided on page 3 of this
document.

6. Notice of Correction
This is a statement of up to 200 words that explains any information on your credit report that isn't
necessarily wrong but could give lenders a misleading impression. For example, an explanation of
missed repayments due to an unexpected event such as a relationship break-up, unemployment or
ill health. Once added, a Notice of Correction will stay on your Equifax Credit Report for six years or
until you ask us to remove it.

Equifax may occasionally use this section to add further details about a court entry in your name or
to advise that an entry on the credit report is in query or under dispute. We will remove these once
your query or dispute is closed.

Current Address

No data present
There is no data present in this section. If you think there should be information included in your
credit report relevant to this category, please contact us using the details provided on page 3 of this
document.

Previous Addresses

No data present
There is no data present in this section. If you think there should be information included in your
credit report relevant to this category, please contact us using the details provided on page 3 of this
document.

Linked Addresses

No data present
There is no data present in this section. If you think there should be information included in your
credit report relevant to this category, please contact us using the details provided on page 3 of this
document.

7. Searches
When you apply for credit and other services your Equifax Credit Report may be searched.
Common reasons are to confirm your identity, provide a quotation for finance or when you apply for
credit. Searches will be recorded on your Equifax Credit Report but we don't record whether a credit
application was accepted or declined.

We refer to credit application and debt collection searches as hard searches. They are visible to
lenders and other service providers when they view your Equifax Credit Report. Soft searches are

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only visible to you.

Debt collection searches remain on your Equifax Credit Report for two years, and credit application
searches for one year. Soft searches such as quotation and identity verification searches remain on
your report for one year. Other soft searches may be removed after three months.

For further information on searches, see Appendix A.

Hard Searches
Current Address

18/09/2024 BLUE MOTOR FINANCE LIMITED

Surname Forename & Date of birth Search Type Joint

Middle Initial Application

IBRAAR MOHAMMED 25/11/1997 Credit Application No

Previous Addresses

No data present
There is no data present in this section. If you think there should be information included in your
credit report relevant to this category, please contact us using the details provided on page 3 of this
document.

Linked Addresses

No data present
There is no data present in this section. If you think there should be information included in your
credit report relevant to this category, please contact us using the details provided on page 3 of this
document.

Soft Searches
Current Address

13/01/2025 CLEARSCORE

Surname Forename & Date of birth Search Type Joint

Middle Initial Application

IBRAAR MOHAMMED 25/11/1997 Authentication No

Check

13/01/2025 CLEARSCORE

Surname Forename & Date of birth Search Type Joint

Middle Initial Application

IBRAAR MOHAMMED 25/11/1997 Identity Verification No

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 13/01/2025 MY CREDIT SCORE LTD

Surname Forename & Date of birth Search Type Joint

Middle Initial Application

IBRAAR MOHAMMED 25/11/1997 Authentication No

Check

13/01/2025 MY CREDIT SCORE LTD

Surname Forename & Date of birth Search Type Joint

Middle Initial Application

IBRAAR MOHAMMED 25/11/1997 Authentication No

Check

13/01/2025 CLEARSCORE

Surname Forename & Date of birth Search Type Joint

Middle Initial Application

IBRAAR MOHAMMED 25/11/1997 Authentication No

Check

13/01/2025 EQUIFAX CONSUMER

Surname Forename & Date of birth Search Type Joint

Middle Initial Application

IBRAAR MOHAMMED 25/11/1997 Authentication No

Check

27/09/2024 FREEDOM FINANCE TA ARO

LENDING W

Surname Forename & Date of birth Search Type Joint

Middle Initial Application

IBRAAR MOHAMMED 25/11/1997 Credit Quotation No

27/09/2024 HASTINGS FINANCIAL SERVICES

LTD

Surname Forename & Date of birth Search Type Joint

Middle Initial Application

IBRAAR MOHAMMED 25/11/1997 Credit Quotation No

27/09/2024 ADMIRAL FINANCIAL SERVICES

LTD

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 Surname Forename & Date of birth Search Type Joint
Middle Initial Application

IBRAAR MOHAMMED 25/11/1997 Credit Quotation No

27/09/2024 OAKBROOK FINANCE LTD

Surname Forename & Date of birth Search Type Joint

Middle Initial Application

IBRAAR MOHAMMED 25/11/1997 Credit Quotation No

18/09/2024 EQUIFAX VIA CAN CAN CAR

FINANCE

Surname Forename & Date of birth Search Type Joint

Middle Initial Application

IBRAAR MOHAMMED 25/11/1997 Credit Quotation No

18/09/2024 BLUE MOTOR FINANCE LIMITED

Surname Forename & Date of birth Search Type Joint

Middle Initial Application

IBRAAR MOHAMMED 25/11/1997 Credit Quotation No

18/09/2024 BLUE MOTOR FINANCE LIMITED

Surname Forename & Date of birth Search Type Joint

Middle Initial Application

IBRAAR MOHAMMED 25/11/1997 Subsequent Credit No

Search

18/09/2024 STB-V12 MOTOR FINANCE

Surname Forename & Date of birth Search Type Joint

Middle Initial Application

IBRAAR MOHAMMED 25/11/1997 Credit Quotation No

18/09/2024 BLUE MOTOR FINANCE LIMITED

Surname Forename & Date of birth Search Type Joint

Middle Initial Application

IBRAAR MOHAMMED 25/11/1997 Credit Quotation No

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 18/09/2024 BLUE MOTOR FINANCE LIMITED

Surname Forename & Date of birth Search Type Joint

Middle Initial Application

IBRAAR MOHAMMED 25/11/1997 Subsequent Credit No

Search

18/09/2024 HASTINGS INSURANCE SERVICES

LTD

Surname Forename & Date of birth Search Type Joint

Middle Initial Application

IBRAAR MOHAMMED 25/11/1997 Insurance Quotation No

03/07/2024 HASTINGS INSURANCE SERVICES

LTD

Surname Forename & Date of birth Search Type Joint

Middle Initial Application

IBRAAR MOHAMMED 25/11/1997 Insurance Quotation No

22/06/2024 HASTINGS INSURANCE SERVICES

LTD

Surname Forename & Date of birth Search Type Joint

Middle Initial Application

IBRAAR MOHAMMED 25/11/1997 Insurance Quotation No

03/05/2024 HASTINGS INSURANCE SERVICES

LTD

Surname Forename & Date of birth Search Type Joint

Middle Initial Application

IBRAAR MOHAMMED 25/11/1997 Insurance Quotation No

03/05/2024 EUI LIMITED T/A ADMIRAL

Surname Forename & Date of birth Search Type Joint

Middle Initial Application

IBRAAR MOHAMMED 25/11/1997 Insurance Quotation No

04/03/2024 HASTINGS INSURANCE SERVICES

LTD

Surname Forename & Date of birth Search Type Joint

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 Middle Initial Application

IBRAAR MOHAMMED 25/11/1997 Insurance Quotation No

Previous Addresses

No data present
There is no data present in this section. If you think there should be information included in your
credit report relevant to this category, please contact us using the details provided on page 3 of this
document.

Linked Addresses

No data present
There is no data present in this section. If you think there should be information included in your
credit report relevant to this category, please contact us using the details provided on page 3 of this
document.

Attributable Data

Attributable data is information that we believe may relate to you but cannot be definitely identified as
yours. A lender can see this data, but should obtain proof that it does relate to you before it is used in
a lending decision. Attributable data is often shown when there are similar names or dates of birth at
the same address.

Hard Searches
Attributable Data at Current Address

No data present
There is no data present in this section. If you think there should be information included in your
credit report relevant to this category, please contact us using the details provided on page 3 of this
document.

Attributable Data at Previous Addresses

No data present
There is no data present in this section. If you think there should be information included in your
credit report relevant to this category, please contact us using the details provided on page 3 of this
document.

Attributable Data at Linked Addresses

No data present
There is no data present in this section. If you think there should be information included in your
credit report relevant to this category, please contact us using the details provided on page 3 of this
document.

Soft Searches
Attributable Data at Current Address

15/03/2024 PAYPAL (EUROPE) CIE, S.C.A

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 Surname Forename & Date of birth Search Type Joint
Middle Initial Application

IBRAAR IBRAAR 25/11/1997 Credit Quotation No

Attributable Data at Previous Addresses

No data present
There is no data present in this section. If you think there should be information included in your
credit report relevant to this category, please contact us using the details provided on page 3 of this
document.

Attributable Data at Linked Addresses

No data present
There is no data present in this section. If you think there should be information included in your
credit report relevant to this category, please contact us using the details provided on page 3 of this
document.

8. Property Valuation
We obtain property purchase information from HM Land Registry for England and Wales and
Registers of Scotland.

HM Land Registry does not provide purchaser names. We retain records dating back to April
2000.
Registers of Scotland information does include the purchasers name and addresses. We retain
records dating back to June 2003.

Whilst we retain this public register information indefinitely, we only show property valuation
information for your current address.

Property Valuation of Current Address

12 YORK CRESCENT WEDNESBURY WEST MIDLANDS WS109JJ

Property Type Semi-detached

Price Paid £86,625

Deed Date 10/09/2010

Tenure Freehold

New Build? No

9. Gone Away Records

The Gone Away Information Network (GAIN) is a database of people with overdue outstanding
debts who’ve moved without giving their lender a forwarding address. Data from GAIN, including the
person’s old addresses and any known new addresses may be recorded on an individual’s credit

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report.

Equifax holds records on behalf of the GAIN organisation and this information is only made available
to companies who are members of GAIN. GAIN data is obtained from lenders, and additional
address data is obtained from Royal Mail.

Equifax no longer receives GAIN information but we have historic records dating back up to six
years.

Gone Away Records at Current Address

No data present
There is no data present in this section. If you think there should be information included in your
credit report relevant to this category, please contact us using the details provided on page 3 of this
document.

Gone Away Records at Previous Addresses

No data present
There is no data present in this section. If you think there should be information included in your
credit report relevant to this category, please contact us using the details provided on page 3 of this
document.

Gone Away Records at Linked Addresses

No data present
There is no data present in this section. If you think there should be information included in your
credit report relevant to this category, please contact us using the details provided on page 3 of this
document.

10. CIFAS - UK Fraud Prevention Service

Equifax and the other credit reference agencies are members of Cifas (www.cifas.org.uk), an
organisation that collects and shares data about suspected fraud.

When an organisation believes it has detected fraud or an attempted fraud, it may put a Cifas
marker on the relevant person’s credit file to warn other lenders this identity may have been used
fraudulently. This highlights that further identity checks should be performed which helps to prevent
any further fraud and protect innocent consumers.

Individuals can also register for Protective Registration directly with Cifas if they have been a victim
or believe they may be at risk of fraud. More information about Cifas is available at
www.cifas.org.uk.

The Cifas warnings that might appear on your credit report relate to Victim of Impersonation or
Protective Registration.

Cifas may record your information for other purposes which won’t be shown on your Equifax Credit
Report. To view the full information recorded about you on their database you need to make a Data
Subject Access Request directly to Cifas.

For further information on Cifas, see Q & A section.

CIFAS Records at Current Address

No data present

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There is no data present in this section. If you think there should be information included in your
credit report relevant to this category, please contact us using the details provided on page 3 of this
document.

CIFAS Records at Previous Addresses

No data present
There is no data present in this section. If you think there should be information included in your
credit report relevant to this category, please contact us using the details provided on page 3 of this
document.

CIFAS Records at Linked Addresses

No data present
There is no data present in this section. If you think there should be information included in your
credit report relevant to this category, please contact us using the details provided on page 3 of this
document.

Q&A

What do we use personal data for?

Equifax uses personal data for the following reasons. These are explained in more detail in Section 2
of the Equifax Information Notice at www.equifax.co.uk/ein.

Credit reference agency processing (including the below activities)

Credit reporting and affordability checks
Verifying data like identity, age and residence, and preventing and detecting criminal
activity, fraud and money laundering
Account management
Tracing and debt recoveryoScreening
Statistical analysis, analytics and profiling
Fraud prevention agency processing
Marketing services processing
Prospecting – contact and attribute data
Marketing to a client’s existing customers
Data accuracy
Marketing data linking
Profiling
General information services processing
Database activities (data loading, data matching, data linking, systems and product testing)
Other uses with your permission
Uses as required by or permitted by law

What are our grounds for handling personal data?

Most of the data processed by Equifax is done so based on 'Legitimate Interests', a defined
condition for processing data. The Legitimate Interests pursued by Equifax include the promotion of
responsible lending, prevention and detection of crime and fraud, verifying identity, supporting tracing
and collections and complying with legal and regulatory requirements. Our marketing services data
is processed to conduct, manage and grow our business, to help organisations to market more
effectively and support our clients’ interest in finding new customers or making sure they offer
appropriate products and services to existing customers through their marketing activities.

Equifax use of this personal data is subject to an extensive framework of safeguards that help make
sure that individuals’ rights are protected. These safeguards help sustain a fair and appropriate

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balance to ensure Equifax credit referencing, fraud prevention and marketing services activities
don’t override the interests, fundamental rights and freedoms of data subjects.

Equifax also process some data, particularly for marketing services, where an individual has given
consent to the processing for one or more specific purposes.

Do we make decisions about you or profile you using personal data?

Equifax doesn’t tell a lender if it should offer you credit – this is for the lender to decide. CRAs
provide data and analytics that help lenders make decisions about lending. However, when
requested, we do use the data we obtain to produce credit, risk, fraud, identity, affordability,
screening, collection and/or insolvency scores and credit ratings.

Please refer to CRAIN for more details on this: www.equifax.co.uk/crain.

What kinds of personal data do we use and where do we get it from?

The information used to create your Equifax Credit Report and where we obtain it from is explained
within your credit report on the following pages. More detailed information about the different types
and sources of data we receive is set out at www.equifax.co.uk/ein and
www.equifax.co.uk/crain.

Who do we share personal data with?

In the most part, Equifax shares data with members of the Equifax credit data sharing arrangement,
typically banks, building societies, other lenders and credit providers like mobile phone and utilities
companies. Equifax also shares data with fraud prevention agencies, resellers/distributors,
marketing services clients, public bodies, law enforcement and regulators and other companies
within the Equifax group.

Equifax also uses other trusted organisations to perform tasks on its behalf. A full list of the types of
processors and their locations is included in the Equifax Information Notice, section 5 at
www.equifax.co.uk/ein.

Where is personal data stored and sent?

Equifax Limited is based in the UK. We maintain our primary databases here on encrypted services
at a secure physical location. Equifax also has operations elsewhere inside and outside the
European Economic Area (EEA) and personal data may be accessed by or transferred to Equifax
Group companies or service providers. In both cases, the processing of personal data in those
locations is protected by European data protection standards.

While countries in the EEA all ensure a high standard of data protection law, some parts of the world
may not provide the same level of legal protection when it comes to personal data. As a result, when
Equifax does send personal data outside the EEA, we will make sure suitable safeguards are in
place in accordance with European data protection requirements, to protect the data. We achieve
this by putting in place a contract with the recipient containing terms approved by the European
Commission as providing a suitable level of protection. These contract terms are commonly
referred to as ‘Model Clauses’.

How long is personal data kept for?

The length of time we hold different categories of data will vary; however, for the most part, Equifax
holds data while there’s a continuing need to keep it. This will depend on the purpose for which the
data is processed and the continued relevance of that data for credit referencing or other purposes.
Your credit report will include information on how long we keep different types of data.

What can I do if my personal data is wrong?

When Equifax receives personal data, we perform lots of checks on it to try and detect any defects
or mistakes. Ultimately, we often rely on the suppliers to provide accurate data. If you think that any
personal data Equifax holds about you is wrong or incomplete, you have the right to challenge it. It’s
worth knowing that Equifax won’t always have the right to change the data without permission from

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the organisation that supplied it, so we will need to take reasonable steps to check the data first,
such as asking the organisation that supplied it to check and confirm its accuracy.

If the data does turn out to be wrong, Equifax will update its records accordingly. If we still believe
the data is correct after completing our checks, we’ll continue to hold and keep it - although you can
ask us to add a note to your file indicating that you disagree or providing an explanation of the
circumstances.

If you’re concerned about incorrect information on your Equifax Credit Report, you can ask us to
investigate it by raising a data dispute at www.equifax.co.uk/ask.

Can I object to the use of my personal data and have it deleted?

You have the right to lodge an objection about the processing of your personal data to Equifax.

Whilst you have complete freedom to contact Equifax with your objection at any time, you should
know that under the General Data Protection Regulation (GDPR), your right to object doesn’t
automatically lead to a requirement for processing to stop, or for personal data to be deleted.

Because of the importance of the credit referencing industry to the UK’s financial system and the
important purposes the personal data is needed for (like supporting responsible lending, and
preventing over indebtedness, fraud and money laundering), it will be very rare that the CRAs do not
have compelling, overriding grounds to carry on using the personal data following an objection. In
many cases, it won’t be appropriate for the CRAs to restrict or to stop processing or delete bureau
data, for example, where the result would be to hide a poor credit history that could enable a person
or organisation to get credit they otherwise wouldn’t be eligible for.

You do have the right at any time to stop Equifax (in our capacity as a marketing data broker) using
your marketing information in relation to its marketing services activities under consent. You also
have the right to request your marketing data be removed from our marketing services data where it
has been provided under consent.

You can make a request for Equifax to delete data held for you by contacting us at
www.equifax.co.uk/ask.

Can I restrict what Equifax does with my personal data?

In some circumstances, you can ask Equifax to restrict how we use your personal data. Your rights
are set out at Article 18 of the GDPR. This is not an absolute right and your personal data may still
be processed with your consent, for the establishment, exercise or defence of legal claims, for the
protection of the rights of another natural or legal person or for reasons of public interest. Equifax will
consider and respond to requests we receive, including assessing the applicability of these
exemptions.

Please note that given the importance of complete and accurate credit records, for purposes
including for responsible lending, it will usually be appropriate to continue processing credit report
data – in particular, to protect the rights of another natural or legal person, or because it’s an
important public interest of the union or member state.

Who can I complain to if I’m unhappy about the use of my personal data?

Equifax works hard to give you the best possible service. We try to make it as easy as possible for
you to share your concerns with us and we want you to be happy with how we handle them. If you
have a complaint, please contact our Complaints Team. Full contact details and the Equifax
complaints procedure can be found in Appendix C of this document. Our complaints procedure will
also provide information about how to make a complaint to the Financial Ombudsman Service or the
Information Commissioner's Office.

Attributable data shown in your credit report

Attributable data is information that we believe may relate to you but cannot be definitely identified as
yours. A lender can see this data, but should obtain proof that it does relate to you before it is used in

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a lending decision. Attributable data is often shown when there are similar names or dates of birth at
the same address.

Impersonation

Identified on a credit report as “Category 2: Victim of Impersonation” - Use, by another person, of

this name and personal details. When a Cifas member organisation identifies a fraud where an
innocent party has been impersonated, a warning with the details of the innocent individual linked to
the application or facility base using those details will see the Cifas warning “Cifas - Do Not Reject -
Validation Required”. This reminds the Cifas Member (e.g. the lender or service provider) that extra
precautions must be taken before approving a new application for a financial product or service, or
closing an existing account. The extra checks are to ensure that the applicant/application/account
holder is genuine, thus protecting the individual from further fraud.

Appendix A

Electoral Register (extended notes)

The electoral register (sometimes called the ‘electoral roll’) lists the names and addresses of
everyone who’s registered to vote. There are two versions of the electoral register: the ‘open
register’ and the ‘full register’.

Lenders and other organisations use the information from the electoral register to confirm your
identity when you make an application for credit. The electoral register shows your name, address
and how long you have been registered at that address. This provides an easy way to check both
personal information and how stable you are in terms of residence.

The ‘open register’ is available to anyone who wants to buy a copy and is often used for direct
marketing. If you do not want your details to be used for marketing purposes, you can contact your
local council to request that you are put on the full version and opted out of the ‘open register’.

Equifax obtains both versions on a monthly basis from each Electoral Registration Office and
supplies it to our clients for lending, identity verification and marketing purposes. We keep this
information indefinitely and hold records back to 1983.

Further information about the electoral register can be found at www.gov.uk. If you live on the Isle of
Man visit www.gov.im. At the moment, local authorities in Jersey and Guernsey do not give
electoral register details to credit reference agencies. If you'd like to update your electoral register
details, you can ask your local parish official to complete the Jersey Electoral Register Confirmation
form for you and send it to us.

Court information and other public records (extended notes)

Court Judgments

The government makes court judgments and other decrees and orders publicly available through
statutory public registers.

These are maintained by Registry Trust Limited, which also supplies the data on the registers to
Equifax and other credit reference agencies.

We obtain data about court judgments that may include the name of the court, the nature of the
judgment, how much money was owed, and whether the judgment has been satisfied.

Generally, court judgments and other decrees and orders are kept on credit files for six years from
the date of the judgment, decree or order. But, they can be removed if the debt is repaid within one
calendar month of the original date or if the judgment is set aside or recalled by the courts.

Bankruptcies, Individual Voluntary Arrangement (IVAs), debt relief orders and similar events

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Information about bankruptcies, Individual Voluntary Arrangements and other insolvency- related
events and arrangements are usually kept on credit files for six years from the date they begin. This
period is extended if they last longer than six years. Some data, such as bankruptcy restrictions
orders, can also remain on the credit file for longer than six years.

We obtain this data from The Insolvency Service, the Accountant in Bankruptcy, The Stationary
Office and Northern Ireland’s Department for the Economy – Insolvency Service and also the
London, Belfast and Edinburgh Gazettes. Business bankruptcies data are obtained from the London,
Belfast and Edinburgh Gazettes.

Although the start of these events is automatically reported to Equifax and other credit reference
agencies (CRAs), the end (such as a discharge from bankruptcy or completion of an IVA) might not
be. People are advised to contact the CRAs when this happens to make sure their credit files are
updated accordingly.

Search Information (extended notes)

Does a search affect my ‘credit status’?

When lenders look at your credit report, they can see any previous credit application searches.
They may use this information when reviewing your application. Too many searches in a short
period of time may be viewed negatively as it could be an indication that you're overstretching
yourself or that fraud has taken place. Quotation and identity verification searches won’t affect your
‘credit status’.

What can I do if I believe search information is recorded incorrectly?

If you think that there is incorrect information on your Equifax Credit Report, you can raise a dispute
on it by contacting us. We'll manage the dispute with the company that has supplied the data on
your behalf. See the About Equifax section for contact details or visit www.equifax.co.uk/help for
more information.

Credit Agreement Explanatory descriptions

Code Description
. No update received
0 Up to date with payments
1 1 payment in arrears
2 2 payments in arrears
3 3 payments in arrears
4 4 payments in arrears
5 5 payments in arrears
6 6 or more payments in arrears
A Moderate arrears
B Bad arrears
I Arrangement to pay
S Settled or Satisfied
U No payment due yet or unclassified
R Repossession
D Default
Q Query (account is under review)
G Gone away
N Inactive
Z Never taken up
V Goods voluntarily surrendered
W Written off
X Transfer

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 Account Management Details

Previous Balance The balance shown on each monthly statement

Payment Amount The amount paid during each billing period

Minimum Payment Minimum payment received for the month

Promotional Rate Indicator Promotional activity on the account during the

month

Cash Advance Value The total value of cash advances in each billing period

Cash Advance Count The total number of cash advances during the month

Credit Limit Change Change to the Credit limit on account during the billing
period

Appendix B

YOUR RIGHTS UNDER SECTION 159 OF THE CONSUMER CREDIT ACT 1974 AND UNDER
THE DATA PROTECTION ACT 2018, IF YOU THINK ANY ENTRY IN OUR FILE IS WRONG

This statement of your rights is provided by Equifax Limited together with all the information we hold
about you on our files. Contact us at www.equifax.co.uk/ask or Equifax Limited, PO Box 10036,
Leicester, LE3 4FS. Or call 0800 014 2955* or 0333 321 4043** from 8am - 6pm, Monday to Friday
(excluding 25th & 26th December).
*Calls are free from UK landlines and mobiles. **Calls from 03 numbers are charged at no more than local rate.
The cost of calls may vary depending on your service provider. See call charge information page.
https://www.gov.uk/call-charges

Your rights are as follows -

If you think that any of the information we have sent you is wrong and that you are likely to
suffer because it is wrong, you can ask us to correct it or remove it from our file.

You need to tell us what you want us to do. You should explain why you think the information is
wrong. You can apply to have a note of correction added to your Equifax Credit Report at
www.equifax.co.uk/ask or you can also write to us at Equifax Ltd, Customer Service Centre, PO
Box 10036, Leicester, LE3 4FS .

Once you tell us, we have to reply in writing within 28 days.

Our reply will tell you whether we have corrected the information, removed it from our file or done
nothing. If we tell you that we have corrected the information, you will get a copy of your report.

If our reply says that we have reviewed the information and determined that no change
should be made, or if we fail to reply within 28 days, or if we correct the information but you
are not happy with the correction, you can write your own note of correction and ask for it to
be included on our file.

To do this, you will need to write to us within 28 days of receiving our reply. If you did not get a reply
from us and you want the information we sent you to be corrected, you will need to contact us within
8 weeks of when you first contacted us in which you asked us to correct the information or remove
it from our file.

You will need to-

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 include the note of correction you have written. It must not be more than 200 words long and
should give a clear and accurate explanation of why you think the information is wrong. If the
information is factually correct but you think it creates a misleading impression, your note of
correction can explain why.
ask us to add your note of correction to our file and to include a copy of it whenever we give
anyone any of the information you think is wrong or any information based on it.

If we accept your note of correction, we have to tell you in writing within 28 days that we are
going to add it to our file.

If we think it would be wrong to add your note of correction to our file, we have to apply for a
ruling from the Office of the Information Commissioner.

If we think your notice of correction is incorrect, defamatory (affecting someone’s reputation),

frivolous or scandalous, or is for any other reason unsuitable for publication, Equifax must pass the
notice to the Information Commissioner. The Commissioner will then make an order to say what
notice, if any, should be added to your credit reference file.

See below for who the Information Commissioner is and how to make a complaint.

If we have not contacted you within 28 days of receiving your note of correction, or if we
have contacted you telling you that we are not going to add your note of correction to our
file, you can appeal to the Information Commissioner.

If you want to do this, you will have to write to the following address -

First Contact Team Information Commissioner’s Office, Wycliffe House, Water Lane,
Wilmslow, Cheshire SK9 5AF

Telephone: 0303 123 1113

Fax: 01625 524510

Email: casework@ico.org.uk

When you write, you must give the following details -

your full name and address
your name and address
details of the information you think is wrong, including -
why you think it is wrong,
why you think you are likely to suffer because it is wrong, and
an indication of when you sent us your note of correction.

It would be helpful to the Commissioner if you could include a copy of your note of correction.

Before deciding what to do, the Commissioner may ask us the basis for our decision and send us a
copy of your letter. In return, you will be sent any comments we make. The Commissioner can
make any order she thinks fit when she has considered your appeal. For example, she can order us
to accept your note of correction and add it to our file.

If at any stage we fail to correct or remove wrong information, you can ask the Information
Commissioner to check whether we are meeting the requirements of the Data Protection Act
2018.

The Data Protection Act 2018 requires us to take reasonable steps to check the accuracy of
personal information. If you think we have failed to correct or remove wrong information about you,
you have the right to ask the Information Commissioner, at the above address, to check whether our
dealing with your information has met this requirement.

Important Note:

The various time limits referred to in this statement (mostly 28 days) start from the day following
receipt and end with the day of delivery. That means (for example) that if you have 28 days to reply

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to a letter from us, the period starts with the day after you receive our letter; and you then have to
make sure that your reply is delivered to us no later than 28 days from that date. In order to avoid
the risk of losing your rights you should therefore allow for postal delays.

Appendix C

What's the Equifax complaints procedure?

We work hard to give you the best possible service. Sometimes, though, we don't get things right
the first time. If you're not happy with the service you're receiving, please tell us so that we can put
things right as soon as possible. We try to make it as easy as possible for you to share your
concerns with us and we want you to be happy with how we handle them.

Is it a complaint or dispute?

If you think that there is incorrect information on your Equifax Credit Report you can contact us to
raise a dispute. Otherwise, here's how to contact us about any complaints that aren't related to
incorrect information on your Equifax Credit Report.

How and where to complain

You can let us know about your complaint and how you've been impacted by using any of the
contact details below.

Online
If you already have a Support Account with us, you can submit your complaint when you login. If
you don’t have a Support Account with us, you can submit your complaint through an online
form.

Phone
To speak to us and raise your concerns, please call 0800 014 2955* or 0333 321 4043**.
Available 8am - 6pm, Monday to Friday (excluding 25th & 26th December).
*Calls are free from UK landlines and mobiles. **Calls from 03 numbers are charged at no more than local
rate. The cost of calls may vary depending on your service provider. See call charge information page.
https://www.gov.uk/call-charges

Email
You can email us at complaints@equifax.com.

Post
You can write to us at this address: Customer Care Team Equifax PO Box 10036 Leicester LE3
4FS If you are an existing customer, we'll be able to process your query quicker if you include
your Equifax Credit Report reference number.

What happens next?

We aim to resolve complaints as soon as possible, but if we are unable to resolve your complaint
within 5 working days of receipt, we will contact you to let you know. It is possible we may need
further information from you, if this is the case we will contact you directly using the contact details
we have on file. Once the investigation is completed we will contact you to confirm our findings.

Although the regulator allows us up to 56 days to resolve complaints, we will always aim to ensure
we resolve all concerns as soon as possible. If we are unable to resolve your complaint within this
timeline, we will write to you to let you know why and when you can expect our final decision. At this

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point you will also have the right to take your complaint to the Financial Ombudsman service if you
want and their contact details will be included in the e-mail or letter we will send to you.

How to take your formal complaint further

If we've sent you our final response or it's been more than eight weeks since you made your
complaint, you may be able to ask the Financial Ombudsman Service to investigate this for you. Its
contact details are below.

Post: Financial Ombudsman Service Exchange Tower London E14 9SR

Phone: 0800 023 4567

Email: complaint.info@financial-ombudsman.org.uk

Website: http://www.financial-ombudsman.org.uk

If you have any concerns about the way we handle your data, you can contact the Information
Commissioner's Office. You can contact the ICO at https://ico.org.uk/global/contact-us/.

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