You are here:

Frequently asked questions about credit reference agencies and data sharing

Question mark

Following discussions between the Information Commissioners Office, water companies and OFWAT in 2010, approval was given to sharing data between water companies and Credit Reference Agencies. Since then we have highlighted this change in policy to you in privacy statements included in your bills and on our website.

Tell me more about data sharing

What is a Credit Reference Agency?

Credit reference agencies collate data on individuals or companies, about their borrowing and repayment history, which allows lenders and other organisations, such as utility companies, to make decisions about whether to lend money or what is the best method for a customer to pay based on reliable and consistent information.

The three main consumer credit reference agencies in the UK are Experian, Callcredit, and Equifax. They are also Fraud Prevention Agencies.

We share data with Experian and Call Credit.

What is a Fraud Prevention Agency?

Fraud Prevention Agencies collect maintain and share information on known and suspected fraudulent activity.

Why we are sharing data with Credit Reference Agencies?

We will share your personal information with Credit Reference Agencies and Fraud Prevention Agencies to better understand our customers and help:

  • Assist in the management of your account
  • Better tailor the services and products we provide to you
  • Identify early sign of financial hardship so that we may extend appropriate support
  • Assist in the prevention of over indebtedness
  • Verify your identity for the purposes of fraud prevention.

How will data sharing affect me?

Where payments are made on time the sharing of information about the regular payment of water bills will contribute positively towards building a credit history, particularly for customers who are not financially active in other credit services. This may extend the options available to those customers for accessing mainstream credit and financial services and products.

Where payments are made outside of our payment terms this may have a negative impact on your credit score and could cause you to be refused credit.

If you are having problems paying your bill, we may be able to help, please call us on 0800 169 3630.

Can anyone access or view my personal data?

Your financial information will only be available to members of the sharing scheme administered by the Credit Reference Agencies. The information-sharing scheme is carefully regulated, by the law, and by strict rules drawn up by the organisations who share information.

How does this comply with the Data Protection Act?

Anglian Water Experian and Call Credit, at all times, comply with the Data Protection Act 1998. The sharing of your information with Experian does not require your consent. It is done for the purposes of legitimate interests pursued by the Anglian Water. The legitimate interest in data sharing is to promote responsible lending, prevention of bad / unpaid debt, prevention of fraud and money laundering, etc.

Your rights, freedoms and legitimate interests are not prejudiced; because in the case of positive account data it is of benefit to you to have a good credit record to assist you in obtaining future credit should you wish to do so. In the case of negative history, it cannot be called "unwarranted" to process data for the purposes of Anglian Water recovering debt owed to us by you.

How do I get my credit report?

To obtain a copy of your credit report visit www.experian.co.uk or www.callcredit.co.uk
A statutory copy of your credit report will cost £2. Applications can be made either online or by post.

Call Credit
One Park Lane,
Leeds,
LS3 1EP
Telephone: 0330 024 7574

Call Credit also offer a free online solution to check your credit report: www.noddle.co.uk/

Experian Ltd
Customer Support Centre
PO Box 8000
Nottingham
NG80 7WF

Telephone: 0844 481 8000 (please refer to Experian's website for call charge details)

What should I do if I find a mistake on my credit report?

If you believe there is an error on your credit report you can contact us on 0800 169 3630 or send an email using our online enquiry form.

Alternatively you may wish to raise a dispute via Experian or Call Credit you can do so by visiting their website and completing an online enquiry form.

Experian - Enquiry Form

Call Credit - Enquiry Form

Further information

For more detailed information on how we share data with Experian and what else we do with your information, such as sharing with other organisations like HomeServe please see our Privacy Notice.

 

Copyright © 2017 Anglian Water Services Ltd All rights reserved

Registered in England No. 2366656. Registered Office: Lancaster House, Lancaster Way, Ermine Business Park, Huntingdon, Cambridgeshire. PE29 6XU