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State law

Other sources of information come from the list of default judgements obtainable by anyone (for a fee) from court registries.

Under the Fair Trading Act 1987 consumer about whom a credit bureau or agency has recorded incorrect information can get it changed. A credit bureau must do everything possible to ensure that the contents of any report about a consumer are accurate and fair. In particular, a credit bureau must not include, in any consumer report, any information based upon evidence that is not the best evidence reasonably available. Alternatively, the bureau cannot include any unfavourable personal information which is based upon second hand evidence unless it has made reasonable efforts to substantiate the evidence on which its information is based. If it is unable to substantiate the information, that lack of substantiation must be stated in any report given. Further, a credit bureau is prohibited from including in a consumer report any information as to the race, colour, religious or political belief of any such person.


State law  :  Last Revised: Wed Apr 10th 2002




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