Which Credit Report should I get

Lewis Martin

"You do this by using the information on your claim sheet, any previous transactions they have had with you, and the information stored at one of the credit bureaus (your credit file). However, these should be handled with a dash ofalt. Now you can do it for free by registering with some particular credit control associations.

Mr Martin added: "If you do not wish to register for any of the above programs, you have the statutory right to receive your free files - see Equifax, Experian and TransUnion (formerly Callcredit). Conversely, the best way to (re)build your credit rating is to get credit and use it well. Nevertheless, there are still credit (re)construction plans that are simpler to obtain, such as Aqua Advance or Marblescards.

The best way to do this is through an authorization tester who will show you which of these tickets you are most likely to use. Additional uses, especially in a shorter period of your life, can affect your creditworthiness. Failure to do so makes it more difficult to obtain credit, as this can lead to identification and traceability problems.

When your credit card spreadsheet is associated with someone else through a specific item, creditors can see their story when you are rated, so be cautious if they have a poor story. Requests remain in your credit records for one year.

European DPAs have been asked to investigate a possible case of breaches where intermediaries, rating companies and ad tech companies are suspected of not gambling under new regulations.

European DPAs have been asked to investigate a possible case of breaches where intermediaries, credit agencies and ad tech companies are suspected of not gambling under new regulations. Last weekend, a group of campaigners known as Privacy International lodged a complaint with regulatory authorities regarding possible breaches by Acxiom, the credit card companies, Equifax, Experian and Equifax, the multi-national Oracle company and the Financial Times on-line report.

Privacy International says that businesses trading large amounts of information about consumers on-line should not have direct contact with such amounts of information. Privacy International's counsel, Ailidh Callander, said: Concerned businesses claim that they use technologies of anonymization of data making and that always the user is asked to agree to the use of his/her own information.

Nonetheless, according to International Private Sector, the collection of anonymous or pseudonymous information has enabled businesses to develop more personally identifiable information about the life of the individuals concerned, such as politics, religions and race heritages. The Facebook/Cambridge Analytica affair has set the pace for a European best-ever year of complaining to regulators.

Facebook was fined 500,000 last month by the Information Commissioner's Office, the UK's Department of Homeland and Home Affairs, the highest possible punishment under the 1998 Act. Information Commissioner Elizabeth Denham said: "A business the scale and knowledge of [Facebook] should have known better and done better," in a dissuasive memento to organizations of all scales of expectations of compliance with information protection in the present environment.

In October, Google+ was also publicly launched and embarrassed after a leaked piece of information became known that, according to the huge searchengine, could potentially affect 500,000 people. Privacy International's grievances highlight the growing fear of the emergence of a Western database populated by information browsers, ad tech businesses and rating agencies, with businesses building on e-commerce.

Brave, a privately owned web navigator, raised a similar problem by filing a claim with watching dogs in the UK and Ireland against ad tech sector player and Google. Dedicated to the growing need for greater transparency and accountability, the first ever DPWF (Data Protection World Forum ) will take place at ExCeL London on 20 and 21 November 2018, with a wider emphasis on the area of personal information and security in the midst of the ongoing toughening of international law.