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YOUR ACCESS

Your Rights


The right of access You have the right to be informed, by the lender, all the information it holds about you in its files.
This is the right of access that you are recognized by Articles 34 and following of the Act of 6 January 1978 relating to data, files and freedoms.
To exercise this right, send a letter to the lender, enclosing a photocopy of identification. This agency will issue you a copy of information held about you in its files. The lender is
not required to state the reason for the refusal of the granting of credit but, instead, you must indicate if the refusal is based on a common file FILING payment incidents.
If items can you suggest that this refusal is linked to such a filing, ask the agency on this point in your application for access.
Remember, also, to ask the lender informs you that the score that was assigned when your credit application rejected.
A mail template, including these applications is offered in annex.

MODEL OF MAIL FOR EXERCISE: YOUR RIGHT TO ACCESS


MODEL MAIL TO CARRY
Subject: Request for access to information contained in a file
Dear
accordance with Articles 34 and 35 of the Act of 6 January 1978, please kindly tell me if my information contained in your files and, if so, send me a copy of all of this information, including recorded in areas "notepad" or "comments".
I also remind you that the CNIL deliberation n ° 88-083 of July 5, 1988 containing recommendations on the management of credits or loans to individuals by credit institutions states that "where a credit institution shall, to deny credit, the presence of applicant information in a common file listing payment incidents, it shall notify any applicant of the nature and source of information. " In these circumstances, I would appreciate your kindly give me details about the nature of incidents in which file I figure.
You will please, finally, tell me the score I have been assigned during the credit application I made with your service on. / .. / ....
Please accept, Madam, Sir, the assurances of my highest consideration.
PJ: photocopy of ID to certify the original