Credit File

[ansettrule]

Hello everyone,I have a question for you all.
I have got a copy of my credit report form Veda and on it there is 2 occasions where Citibank have requested to view my credit file within 2 weeks in june/july this year. I have not applied for anything extra from Citibank in the last 4 years and nothing this year at all not even for credit limit increases.
On the report it says this part of the report is for my viewing only but citibank have looked twice without my consent.
Does anyone know why they would do this and do they have to ask for my permission or do you give them consent to even after 4 years of not applying.
What are the time frames???
Confused.
Thanks everyone

[vilemerchant]

Hello everyone,I have a question for you all.
I have got a copy of my credit report form Veda and on it there is 2 occasions where Citibank have requested to view my credit file within 2 weeks in june/july this year. I have not applied for anything extra from Citibank in the last 4 years and nothing this year at all not even for credit limit increases.
On the report it says this part of the report is for my viewing only but citibank have looked twice without my consent.
Does anyone know why they would do this and do they have to ask for my permission or do you give them consent to even after 4 years of not applying.
What are the time frames???
Confused.
Thanks everyone

Do you know anyone dodgy who might be trying to apply for credit using your name?

[ansettrule]

NO and when I rang them they said they can't give out that information and then I said that's not good enough and they said they would look into it and advise me by letter what's happening.

I will not let this go i think it is too important,I asked if somebody else may have applied for something and they said they can advise me of that and they don't have that information.

Not happy Jan.

[vilemerchant]

NO and when I rang them they said they can't give out that information and then I said that's not good enough and they said they would look into it and advise me by letter what's happening.

I will not let this go i think it is too important,I asked if somebody else may have applied for something and they said they can advise me of that and they don't have that information.

Not happy Jan.

It could just be a case of someone else who has a very similar name applying for credit and it going on the wrong report. I would contact Veda and see if you can lodge some kind of dispute for the enquiries.

[blankman]

Hi Ansettrule,

I have a citibank credit card too and noticed the same thing on my credit file earlier this year.

I have not applied for a limit increase and have held the card for 5 years but it still happened. As it says it is for my viewing only I haven't worried about it too much- after all it makes no mention of any further application of credit or any mention of outstanding payements etc. I thought they were maybe looking on the sly to assess my suitability before being offered a limit increase.

It is my understanding that during the application process there is that clause about consenting to access and exchange of information with credit reporting agencies. By initially agreeing to this and continuing to hold this line of credit you agree to this occuring at any time.

Not by any stretch saying citibank is doing the right thing by its customers but I don't think too much can be done. Would be glad to hear otherwise.

[Dave Noble]

Hello everyone,I have a question for you all.
I have got a copy of my credit report form Veda and on it there is 2 occasions where Citibank have requested to view my credit file within 2 weeks in june/july this year. I have not applied for anything extra from Citibank in the last 4 years and nothing this year at all not even for credit limit increases.
On the report it says this part of the report is for my viewing only but citibank have looked twice without my consent.
Does anyone know why they would do this and do they have to ask for my permission or do you give them consent to even after 4 years of not applying.
What are the time frames???
Confused.
Thanks everyone

If you have a Citibank card then on the application, you have given them permission for them to be able to access your file since it is part of the terms of the application.

They may have just been doing occasional checks to see whether there is anything that could affect their desire to continue to provide a revolving credit facility and the fact that you have since heard nothing from Citibank that all is ok. mayhaps if you Veda record was showing defaults et al , Citibank may have ended your credit facility

Citibank has not looked at the part which is listed "for your information only" , just that their access to the record has logged a new access entry which is what you are seeing.

if you object to the credit card companies having access to the records, then you will have to close the account with them to terminate their right to do so and when applying for a credit card cross out the T&Cs that give them permission to access the records; there is however a v good chance that if you refuse them access to your credit records, that they will decline your application

Dave

[Reggie]

if you object to the credit card companies having access to the records, then you will have to close the account with them to terminate their right to do so and when applying for a credit card cross out the T&Cs that give them permission to access the records; there is however a v good chance that if you refuse them access to your credit records, that they will decline your application.

Dave, is this the conservative in you?

[Dave Noble]

Dave, is this the conservative in you?

mebe ... I think that the chance of them offering the credit would be v low if they are refused access to the credit record, though there may have been cases where an application without check has been offered

Dave

[Reggie]

though there may have been cases where an application without check has been offered

Dave

With surnames like Packer, Murdoch etc possibly, but not likely for the masses I suspect.

[ansettrule]

I have only got a credit card with citibank and no other lines of credit or home loans.
I have had this card for 11 years and the veda report says all information stays on for 5 years then comes off.
So i think that for the previous 4 and a half years they did nothing then all of a sudden twice in 2 weeks they accessed my credit file and that what's worries me the fact that it was so close together.
They have not offered anything else to me over the last few years and am wondering why they accessed my file.
I don't have any issues of any credit provider accessing my file as it is clean and always has been but now i am a little more careful who i will be giving out personal information to includine credit providers.