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Part 1 of 2 – please read both parts
This service is provided by HD Decisions Ltd ("HD"), on behalf of MoneySavingExpert.com.
By submitting your details, you are consenting to HD passing your details to Callcredit Limited ("Callcredit"), a UK consumer credit reference agency, which will create your credit report based on these details, and will provide this to HD. HD has been appointed as a processing agent for a number of credit card providers. HD will (on behalf of such credit providers) analyse key elements of your credit file, in order to determine your current financial standing. The analysis of your credit file will be used by HD to identify and rank credit card offers in order of appropriateness for your circumstances (but this does not necessarily guarantee that there will be appropriate credit card offers available to you). This ranked list of offers will then be displayed on the next page. You will then have the opportunity to apply for a credit card directly with the credit card company should you choose to do so. You may update your search results as many times as you want within the 24 hours following your first use of the service, without a further analysis of your credit file being undertaken by Callcredit. Any searches or updates made after this time would result in another analysis of your credit file.
Please note your credit file will not be provided to you directly, nor will any information be passed to any credit card provider at any point during this process (unless you subsequently agree to this). The information will be used by HD, at your request, on your behalf, to find the most appropriate credit card offers for you.
This process will not have any adverse impact upon your credit standing.
By selecting a card, you are not committing to make an application for a credit card. If you choose to proceed to apply for a credit card from the ranked list of offers, then the credit card company will proceed to carry out their own identification and credit application checks.
Please note that the provision of your credit report to 'HD' is subject to the Callcredit Terms and Conditions ("Terms and Conditions")
You agree that the personal details you have submitted will be used by HD and Callcredit for the purposes of:
verifying your identity in order to ensure that Callcredit is providing your credit report in accordance with your instructions;
providing services to Callcredit's clients in which your personal details are used to assist with identity verification, prevention of fraud/money laundering, service delivery and process implementation.
Part 2 of 2
By clicking 'Submit' you consent for moneysavingexpert.com's appointed processing agent HD Decisions Ltd ("HD") to share your personal data with the credit reference agency Equifax to carry out a quotation search on behalf of one or more credit card providers. A record of the search will be recorded on your credit report in the name of HD and the respective credit card provider but will not be seen by other lenders and will not affect your credit rating but may be used for fraud prevention purposes.
The credit reference agency information supplied to HD includes both public (including the electoral register) and shared credit and fraud prevention information. It will be used to help find the most appropriate credit card offers for you.
You can contact Equifax as follows. They will charge you a small statutory fee if you wish to obtain a copy of your credit report.
Equifax, Credit File Advice Centre, PO Box 1140, Bradford, BD1 5US or call 0844 335 0550 or log on to www.equifax.co.uk.