EQUIFAX DATA SUBJECT ACCESS REQUEST

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1 EQUIFAX DATA SUBJECT ACCESS REQUEST YOUR EQUIFAX CREDIT REPORT

2 Equifax Data Subject Access Request Credit reference agencies Credit reference agencies like Equifax provide two types of subject access request, a limited subject access request, which is in the form of a statutory credit report, and a full subject access request. Statutory credit report The statutory credit report (limited subject access request) provides consumers with the information held by Equifax that is used by lenders when they make decisions about providing credit, e.g mobile phone contracts, mortgages, loans etc. You can access your statutory credit report online now by going to Alternatively you can contact our customer service team to request that your credit report be posted to you. It will arrive within seven working days Full subject access request A full subject access request includes your statutory credit report as well as any other personal information held about you by Equifax, such as: Your Equifax membership and contact history Equifax marketing services Equifax identity verification Equifax employee or internal (where applicable) Equifax customer service and membership (including legal and compliance files) Equifax commercial / sole-trader A full subject access request can take up to one month to be processed. You may be required to provide proof of your identity to Equifax to complete this request. It may speed up your request if you enclose a copy of the following documents with your completed form: One address based document (such as a bank statement or utility bill) dated within the past three months One form of Government ID, such as a passport or driving license. Completing this form This application form contains editable fields so you don't need to print and fill the form in by hand. To complete the form, click on each field and type the information required, then when you're finished, save a copy to your device. You can either submit your completed form to Equifax at or by post to the below address: Equifax Ltd, Customer Service Centre, PO Box 10036, Leicester, LE3 4FS Mandatory fields are marked in red. If you would prefer to complete the form manually, just select the print option and a blank form will print for you to complete by hand. Other credit reference agencies Other credit reference agencies may not hold the same information as Equifax. To get a copy of your file from them, please contact the following: Experian Ltd Consumer Help Service, PO Box 8000, Nottingham, NG80 7WF Phone: Website: CallCredit Ltd Consumer Services Team, PO Box 491, Leeds, LS3 1WZ Phone: Website: The Information Commissioner's Office produces a useful booklet called Credit Explained. This can be obtained by visiting:

3 Equifax Data Subject Access Request DECLARATION I wish to apply to Equifax for a copy of my personal. Signature: Date: / / YOUR PERSONAL DETAILS Title: Full forename: Middle name: Surname: Date of birth (DD/MM/YY) Telephone no (for contact about your request): address (for contact about your request): Other names you may be known as: YOUR CURRENT ADDRESS YOUR PREVIOUS ADDRESSES (those lived at in the last 6 years) We will only return for the addresses you provide to us. By providing this information you are confirming you have lived at these addresses. Equifax may update your records to show a connection between these addresses in your name. These are known as address links. Previous Address 1 Previous Address 3 Previous Address 2 Previous Address 4 RETURN TO: Equifax Ltd, Customer Service Centre, PO Box 10036, Leicester, LE3 4FS or Version 1 May 2018

4 Equifax Data Subject Access Request Data Category Selection Please review and select from the options below the information you require Equifax to provide as part of your subject access request (DSAR). Each type includes an explanation of the Equifax holds, how long it is held for and the estimated timeframe for our team to gather the and return it to you. The information you request will be returned when it has been collated in its entirety. This means that timescales for returning the information will be determined by the set with the longest delivery timeframe. The timeframes set out are averages and return of may take longer during busier periods or if the volume of information to be compiled is large. For some types, we may require you to provide additional information in order for us to locate your. I need this Statutory Credit Report Equifax Credit Report Data Information which may be considered by other organisations when you make an application for credit Your credit report will include: - Electoral registration history - Financial associations with others - Financial repayment history - Searches (requests to access your credit information) - Notices of correction on your credit report - Cifas (fraud) information - Addresses you are linked to - Gone away information (a debtor has moved without giving an address update) Most information on your credit report is held for six years but some may be held longer. Full details of how long we hold each item will be included in the report. Average time for return You can access your Equifax Credit Report online now here If you request this information as part of your subject access request then the average return time is five days ) I need this Equifax Marketing Services Data Information used by the Equifax Marketing Services team when compiling marketing products or mailing Marketing The report contains various types of lists for business clients. This will include financial and Services Report, generally held for up to six years. other that Equifax have used to profile individuals for marketing purposes. Average time for return of Two weeks

5 Equifax Data Subject Access Request Data Category Selection I need this Equifax Employee or Internal Data For successful applicants, this information may be added to your Recruitment Information held for individuals who have applied for HR file for the course of your Data a position with Equifax employment, otherwise it will be held for 12 months. Average time for return of Employee Data Personal held on employees of Equifax by Human Resources, Security, Management and Finance as well as other unstructured. Depending on the type of, information may be held for the course of your employment and indefinitely thereafter. CCTV Data captured at Equifax offices on surveillance cameras. May be held for 30 days or 90 days, depending on the Equifax location. If you require information in this section please confirm the following: Estimated date of employment application: Dates of Equifax employment*: If CCTV imagery is required, please detail the date and time and a description to enable our team to locate your image *We will contact you directly with additional clarifications if this is required

6 I need this Equifax Data Subject Access Request Data Category Selection Equifax Customer Service Data Average time for return of Membership Information Information we hold if you have a current Equifax account, or you have had an Equifax account in the last 3 years For the duration of membership and for three years after account closure. Credit Report Archive Credit reports you have ordered as part of a current subscription with Equifax. These are also visible in your Equifax member centre. Statutory credit reports delivered online. Statutory credit reports delivered by post. Reports ordered as part of an Equifax subscription are held for six years or until the date of cancellation of membership. Online statutory credit reports are visible for 30 days. Posted reports are retained for three years Call Transcripts Written transcriptions of calls you have had with the Equifax Customer Service team. Up to five years Copies of any written communication you have had Written Contact History with Equifax, such as enquiries about on your credit report, disputes about your or Three years after the enquiry / dispute / complaint is closed. complaints. Any request you have made to see your Equifax For the duration of membership Order History Credit Report or Score, or any changes to your and for three years after account Equifax subscription service. closure. Legal Files Data held by Equifax if you have been a party to any legal enquiries or action involving Equifax. Up to six years Data held by the Equifax Compliance team, generally Compliance Files related to complaints, disputes or enquiries Up to six years received via a regulatory body or Ombudsman. If you require information in this section please confirm the following: Equifax reference number (if available): Dates of Equifax membership: Timeframes for call transcripts required: Dates of any complaints or legal action involving Equifax:

7 I require this Equifax Commercial / Sole-Trader Data Average time for return of Financial is generally held for Sole-trader / Credit information held for you by Equifax if you are up to six years but other public Director a sole-trader or director or company secretary of a record such as company reports commercial organisation. accounts and director details may be held indefinitely Commercial invoicing or finance Information which may be held for you if your organisation has a contractual relationship with Equifax. We are required to keep this for seven years Written Contact History Any communication you had with Equifax about your limited business credit report. This is held for six years If you require information in this section please confirm the following: Name of organisation(s) to be reviewed: Dates of contact with Equifax Customer Service: All Equifax Data I require this Data type Average time for return of If you require all Equifax, regardless of type or dates, please click here.

8 Important information about your subject access request If Equifax believes that fraud has been or might be committed, it may share with fraud prevention agencies (FPAs). These FPAs collect, maintain and share on known and suspected fraudulent activity. Equifax and some other CRAs also act as FPAs. Equifax shares information with the major fraud prevention agency in the UK, Cifas, who can be contacted here: How may be used by fraud prevention agencies: FPAs may supply the received from its clients about you, your financial associates and your business (if you have one) to other organisations. This may be used by these organisations and other FPAs and CRAs to: - Prevent crime, fraud and money laundering by, for example; Checking details provided on applications for credit and credit related or other products and services Managing credit and credit related accounts or products or services Cross-checking details provided on proposals and claims for all types of insurance Checking details on applications for jobs or as part of employment Verify your identity if you or your financial associate applies for facilities including all types of insurance proposals and claims Trace your whereabouts and recover debts that you owe Conduct other checks to prevent or detect fraud Undertake statistical analysis and system testing Your personal may also be used for other purposes where you ve given consent or where required or permitted by law YOUR EQUIFAX CREDIT REPORT

9 Equifax Limited is registered in England with Registered No Registered Office: Capital House, 25 Chapel Street, London NW1 5DS. Equifax Limited is authorised and regulated by the Financial Conduct Authority. YOUR EQUIFAX CREDIT REPORT