Credit Reporting Act 2013
|
Power to access information on Register | ||
|
| ||
15. (1) A credit information provider may make an application to access information held on the Register which relates to a person who— | ||
(a) has made to the credit information provider a credit application that is not a relevant credit application, or | ||
(b) is proposing to give a guarantee or indemnity in connection with a credit application made to the credit information provider. | ||
(2) A credit information provider may make an application to access any information held on the Register which relates to a person who is a credit information subject in relation to a credit agreement made with the credit information provider if that person, or any other person who is a credit information subject in relation to the credit agreement— | ||
(a) has requested the credit information provider to change the nature or term of the credit agreement or a guarantee or indemnity given in connection with the credit agreement or has requested any other credit information provider to change the nature or term of any other credit agreement or a guarantee or indemnity given in connection with any other credit agreement, or | ||
(b) has failed to comply with any obligation under the credit agreement or any other credit agreement made with any other credit information provider or a guarantee or indemnity given in connection with the credit agreement or any other such credit agreement and that failure has not been corrected. | ||
(3) A credit information provider may make an application to access any information held on the Register which relates to the credit agreements made by the credit information provider. | ||
(4) Information accessed as the result of an application under subsection (1), (2) or (3) may be used by the credit information provider only for a purpose specified in section 16 . | ||
(5) A credit information subject may make an application to access information held on the Register which relates to the credit information subject. | ||
(6) Any person may make an application to access information held on the Register which relates to a credit information subject with the consent of the credit information subject. | ||
(7) The Bank may use any information held on the Register in the performance of any of its functions. |