Common use of Credit reference and fraud prevention Clause in Contracts

Credit reference and fraud prevention. agencies a) We may use credit reference agencies ("CRA") and fraud reference agencies ("FRA") records about you to: i. assist us in making decisions, in order to: I. confirm the details given on applications for credit, credit-related or other services; II. managing credit, and credit-related accounts or services; III. debt recovery; IV. checking the details of job applicants and employees; and ii. to prevent crime, including fraud and money laundering. b) We, CRAs and other organisations may also use CRA records about you and those financially linked to you in order to: i. check your credit history; ii. verify your identity if you, or someone financially linked to you, applies for services; iii. trace your whereabouts; and iv. undertake research, statistical analysis and systems testing. c) If we need to make a credit decision when you apply for a service or review how much credit we have extended to you under an existing agreement, such as an overdraft, we will carry out a CRA search. The CRA will record the searches, even if an application is not proceeded with or is unsuccessful. This may impact on your ability to borrow from other lenders. We may also inform CRAs how you manage your relationship with us, for example whether or not you meet your payments in a timely manner, which may also affect your ability to obtain credit from other lenders. d) We may pass details of false or inaccurate information provided and any suspected fraud or general information about how you manage your relationship with us to FRAs and other relevant organisations. This information may be accessed and used by law enforcement agencies and us. e) If you ask us we will tell you which CRAs and FRAs we have used in order that you can obtain a copy of your details from them.

Credit reference and fraud prevention. agencies a) We may use credit reference agencies ("CRA") and fraud reference agencies ("FRA") records about you to: i. assist us in making decisions, for example, in order to: I. confirm the details given on applications for credit, credit-related or other services; II. managing manage credit, and credit-related accounts or services; III. debt recovery;; and IV. checking check the details of job applicants and employees; and ii. to prevent crime, including fraud and money laundering. b) We, CRAs and other organisations may also use CRA records about you and those financially linked to you in order to: i. check your credit history; ii. verify your identity if you, or someone financially linked to you, applies for services; iii. trace your whereabouts; and iv. undertake research, statistical analysis and systems testing. applicants' financial affairs may be treated as affecting each other, and will be revealed whenever CRS records are searched, until one of you successfully files a disassociation with the CRAs. c) If we need to make a credit decision when you apply for a service or review how much credit we have extended to you under an existing agreement, such as an overdraft, we will carry out a CRA search. The CRA will record the searches, even if an application is not proceeded with or is unsuccessful. This may impact on your ability to borrow from other lenders. We may also inform CRAs how you manage your relationship with us, for example whether or not you meet your payments in a timely manner, which may also affect your ability to obtain credit from other lenders. d) We may pass details of false or inaccurate information provided and any suspected fraud or general information about how you manage your relationship with us to FRAs and other relevant organisations. This information may be accessed and used by law enforcement agencies and us. e) If you ask us we will tell you which CRAs and FRAs we have used in order that you can obtain a copy of your details from them.

Credit reference and fraud prevention. agencies a) We may use credit reference agencies ("CRA") and fraud reference agencies ("FRA") records about you to: i. assist us in making decisions, for example, in order to: I. confirm the details given on applications for credit, credit-credit- related or other services; II. managing manage credit, and credit-related accounts or services; III. debt recovery;; and IV. checking check the details of job applicants and employees; and ii. to prevent crime, including fraud and money laundering. b) We, CRAs and other organisations may also use CRA records about you and those financially linked to you in order to: i. check your credit history; ii. verify your identity if you, or someone financially linked to you, applies for services; iii. trace your whereabouts; and iv. undertake research, statistical analysis and systems testing. c) If we need to make a credit decision when you apply for a service or review how much credit we have extended to you under an existing agreement, such as an overdraft, we will carry out a CRA search. The CRA will record the searches, even if an application is not proceeded with or is unsuccessful. This may impact on your ability to borrow from other lenders. We may also inform CRAs how you manage your relationship with us, for example whether or not you meet your payments in a timely manner, which may also affect your ability to obtain credit from other lenders. d) We may pass details of false or inaccurate information provided and any suspected fraud or general information about how you manage your relationship with us to FRAs and other relevant organisations. This information may be accessed and used by law enforcement agencies and us. e) If you ask us we will tell you which CRAs and FRAs we have used in order that you can obtain a copy of your details from them.