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Response to Anyone else SARN'd Experian?

from Darius De La Ronde (DARIUSici@aol.com)
Ahha! Now you're becoming as mistrustful of credit ref agencies as I, Harry! Experian overtly run with the both the proverbial hounds and hare where, in the Q&A section of their website, they assure us poor sods, their data subjects, that credit decisions are taken by lenders and not by Experian; whereas in the section of their site pitching to their corporate customers Experian repeatedly hype their credit- scoring system. Even worse on their tenant verifier site, where it seems that people outside of the financial industry (eg letting- agents who are not part of the credit industry's reciprocal information-sharing scheme)who strictly are not entitled to view non- public data (such as our financial details) are fed such info covertly via a (financial) risk-rating score. For the benefit of any really dumb landlords who might be unable to decipher their prospective tenant's coded score, an "accept" or "reject" decision is displayed - so it seems that if as Experian would have us believe "all decisions are made by the lenders", that this is so only after "lenders" are told what decision they should make by Experian's coded scores or accept/reject advices.

I digress. So far as my SARN on Experian is concerned, I was rather hoping that they, Experian, might regard themselves as data PROCESSORS (the Act's buzz-wording?) - After all, the data Experian would supply with a standard (ie restricted by S9 of DPA) £2 application is "owned" by their "members". My problem is Experian have remained silent on the subject of what is included/excluded in my £10 SARN, and so I simply do not have any rhyme or reason on which to obtain a foothold.

Nevertheless I take careful note of what you say Harry: you appear to share my view that Experian are more cunning than a roomful of Blackadders. I too suspect they have short-changed me, and my starting point has to be to establish just what data they MIGHT have sent in response to my SARN (any ideas welcome). Only then, armed with a list of omissions, shall I be able to chase Experian for supplements.

Darius

(posted 7857 days ago)

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