No. It is essential that you have the permission of the individual you are searching before you run the search; this is due to the Data Protection Act [1998] as every search leaves an electronic footprint on their credit file. The individual who has been searched will also be able to view that you have carried out a search and why.

Who Can Use Consumer Reports?

Any organization which;

• Has a Data Protection License

And/or

• Holds a Consumer Credit License
• Definitely required if issuing credit agreements

For full guidance see the OFT website (www.oft.gov.uk)

And Also has consent

• Consent is required for searches to be carried out
• Often on terms of business / application form
• Can be verbal – must be scripted for consistency