Callcredit Limited (“we/us”) is a UK consumer credit reference agency. A credit reference agency collects and stores details about you and your personal credit history.
Lenders, including banks, building societies and other financial service providers, share credit information about their customers with us. The information we receive is used to create your credit report.
When you select ‘Next’, you are instructing us to provide your credit report to HD Decisions Ltd (“HD”). HD has been appointed as a processing agent for Confused.com and 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.
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 ‘Next’, 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 supply to us will be used for the purposes of:
a)verifying your identity in order to ensure that we are providing your credit report in accordance with your instructions;
b)providing services to our clients in which your personal details are used to assist with identity verification, prevention of fraud/money laundering, service delivery and process implementation;
HD Decisions Ltd are a trusted partner of Confused.com who provide financial analytical insight tools to a number of financial institutions in the UK Marketplace.
Terms and Conditions for Call Credit