I just got my credit report from ICB, no problems at all except one thing...
I have an overdraft with my bank (no loans, mortgages etc) with this institution and in the past due to direct debits etc I've gone over the limit, payed the fees and I've always been back to black within a few days.
Once, a year and a half ago, I applied for a loan with them, which they rejected because of the above, I sent an e-mail to the bank manager expressing my dissatisfaction they turned me down on this reason as I was a long-standing customer, he never replied.
Anyway, my ICB report has only one entry from only a few days ago from a bank accessing our details and it's my account holder. I thought they needed permission to access my credit info on the basis of my applying for something with them, which I haven't in 1.5 years? why would they be checking on me now?
I have an overdraft with my bank (no loans, mortgages etc) with this institution and in the past due to direct debits etc I've gone over the limit, payed the fees and I've always been back to black within a few days.
Once, a year and a half ago, I applied for a loan with them, which they rejected because of the above, I sent an e-mail to the bank manager expressing my dissatisfaction they turned me down on this reason as I was a long-standing customer, he never replied.
Anyway, my ICB report has only one entry from only a few days ago from a bank accessing our details and it's my account holder. I thought they needed permission to access my credit info on the basis of my applying for something with them, which I haven't in 1.5 years? why would they be checking on me now?