Pre-Notice of Adverse Data

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Pre-Notice of Adverse Data

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It is unreasonable that the consumer is targeted by credit agencies for subscription to their service so that they may check their credit files for inaccuracies.

Consumers should have the basic protection by law that any adverse data being recorded against them such as "late payments" "arrears" "defaults or Judgements" are notified to the individual at least 14 days in advance of being recorded or made public so that it can be challenged or stayed if in error.

Wrong entries are often uncovered only after credit or job applications are declined and in most cases the damage or opportunity lost cannot be put right.

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