credit reference agency การใช้

• Copies of this register are available to certain groups and individuals, such as credit reference agencies and political parties.
• Consumers can also send complaints to the Financial Ombudsman Service if they experience problems with any Credit Reference Agency.
• Other organisations, including credit reference agencies, debt collection agencies and direct marketing companies have argued for the retention of the edited register.
• The HKMA believes that searches through a credit references agency is an essential part of an institutions'system for assessing applications for consumer credit.
• Credit histories are shared between individual card issuers and the commercial credit reference agencies ( " CRA " s ) maintaining such files.
• County Court judgments are recorded in the Register of Judgments, Orders and Fines and in the defendant's credit records held by credit reference agencies.
• Individual consumers are rated for creditworthiness not by credit rating agencies but by credit bureaus ( also called consumer reporting agencies or credit reference agencies ), which issue credit scores.
• Organisations may charge a fee of up to ?0 ( ? if it is a request to a credit reference agency for information about your financial standing only ) ."
• Credit reference agencies are bound by the Data Protection Act 1998, which requires that data relating to identifiable individuals must be accurate, relevant, held for a proper purpose and not out-of-date.
• In calculating the score, a range of data sources may be used, including data from an application form, from credit reference agencies or from products the customer already holds with the lender.
• The Guardian newspaper has described National Hunter as the UK's secret credit reference agency ( http : / / www . guardian . co . uk / money / 2008 / nov / 15 / national-hunter-credit-agency)
• This definition was the subject of much academic debate, because the holding of the license for a credit reference agency involves a duty to supply information on credit status which the company might prefer to keep confidential.
• A CREDIT reference agency ( CRA ) should be set up in Hong Kong in light of Asia's economic crisis and consequently the likely increase in credit risks for financial institutions, the Hong Kong Monetary Authority said on Monday.
• There are exceptions; the information must be collected for the purpose of giving it to others, so the fact that a bank, for example, has that information, does not mean they need to obtain a license as a credit reference agency.
• Other directorships included chairmanship of the investment group M & G, deputy chairmanship of the discount house Gerrard & National and a directorship of Phoenix Assurance, Dun & Bradstreet, the credit reference agency and NatWest ( from 1976 to 1990 ).
• Credit reference agencies are covered separately from other ancillary credit businesses, and are defined in Section 148 as individuals or companies which carry on a business " comprising the furnishing of persons with information relevant to the financial standard of individuals, being information collected by the agency for that purpose ".
• Once a CCJ has been entered, if not paid in full within thirty days it is kept on record for six years by the register and credit reference agencies ( CRAs ); there is no way to expunge the record of a correctly granted CCJ, although later payment will be recorded.
• The Act specifically gives consumers the right to request to a copy of their credit file by post for a fee of ? The UK credit reference agencies will also allow consumers to access their credit report on-line free for a trial period, after which a monthly or quarterly fee may be charged for continued access.