Credit checks
We will make searches about you at credit reference agencies who will supply us with credit information, as well as information from the Electoral Register. The agencies will record details of the search, whether or not credit is granted. We may use credit-scoring methods to assess your application and to verify your identity. Credit searches and other information which is provided to us and/or the credit reference agencies, about you and those with whom you are financially linked, may be used by us and other companies if credit decisions are made about you or other members of your household. This information may also be used for debt tracing and the prevention of money laundering as well as the management of your account.

Information held by the Credit Reference Agencies may already be linked to records relating to people with whom you are linked financially. For the purposes of credit scoring you may be treated as financially linked and you will be assessed with reference to any "associated" records.

If we enter a credit agreement with you we will also supply details of your agreement with us to the Credit Reference Agencies, as well as any ongoing details of your account and how you manage it. If you do not repay on time or in full we will tell the Credit Reference Agencies, who will record details of the debt. All this information will be seen by other organisations carrying out later searches.

We may make periodic searches of Group records, credit reference and fraud prevention agencies to manage your account with us, to take decisions regarding credit, including whether to make credit available or to continue or extend existing credit. These searches will not be available to other lenders for credit assessment purposes.

Access our information about you
You have the right of access to your personal records held by credit and fraud prevention agencies. We will supply their names and addresses upon request. We, the credit reference agencies and fraud prevention agencies may also use the records for statistical analysis about credit, insurance and fraud.

Sharing your details
We may share your information with other organisations. We or they may contact you for marketing purposes by mail, telephone, email or otherwise. If you do not wish to be contacted by other organisations for marketing purposes, please write to us at:

Should you require any further information, or have any questions about Data Protection, please contact Carol Cullen, the Kaleidoscope Data Protection Officer:

c/o The Legal Department
Freeman's Grattan Holdings
66-70 Vicar Lane
Little Germany
Bradford
BD99 2XG