Who is allowed to search my credit report?
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Generally, your credit report should only be searched if you have given permission.
You give permission for your credit report to be searched when you apply for credit.
Some credit agreements state that your report may be searched periodically for account maintenance purposes. Although these types of search should be recorded as Unrecorded Enquiries.
A lot of price comparison sites will now have something in the Terms & Conditions stating that your credit report may be searched. These are usually insurance searches, and like Unrecorded Enquiries, will not be visible to other lenders searching your report.
Your credit report may also be searched if you are financially connected to someone, through a joint account etc, and they apply for credit.
Credit Report
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