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Your personal data

Credit Union may use credit reference and fraud prevention agencies to help with lending decisions. A short guide to what we do and how both the Credit Union and credit reference and fraud prevention agencies will use your information can be obtained by downloading the Condensed Guide.

Data Protection Guide - Condensed

Full details of how your data may be used are available by downloading the Full Guide to the use of your personal data by Stirling Credit Union and Credit Reference and Fraud Prevention Agencies below.

Data Protection Guide - Full

By confirming your agreement to proceed with your loan application you are accepting that we may each use your information in this way.

When you apply for credit, most lenders will use one or more credit reference agencies (CRAs) to check your credit history. If your credit history is wrong or incomplete it may result in you being refused credit.

Under the Data Protection Act 2018, you are entitled to receive a Statutory Credit Report for free. If you want to check your credit history you should consider obtaining such a report. Your check is not recorded on your credit file and does not leave a footprint. The three main CRAs for consumers are Experian, Equifax and CallCredit. The information held by each CRA may not be the same. All CRAs provide very similar public information (regarding insolvencies, court adjudications, financial sanctions, etc.) but each CRA hosts a closed user group that lenders may be members of. Experian's user group is CAIS, Equifax' is Insight and Callcredit's is SHARE. The lenders that are members of one, two or all three report the repayment of credit to these user groups and only lenders that are members of a user group can access this data. To be sure of your credit history you might decide to obtain a Statutory Credit Report from all three of the main CRAs.

Fraud Protection Advice

To keep your account and security information as safe as possible, we have provided some guidance to help protect you from Fraudulent Activity.

Your security details are the unique information you provide online, over the phone, or in person that identifies you and your accounts. This can include:

• Password
• PIN number
• Memorable passcode
• Security Questions for example mother’s maiden name / name of first school or pet

Please be aware, Stirling Credit Union will never ask you to tell us your full PIN number, Passcode or Password.

Please read this guidance to help you protect yourself from Fraud and Theft:

• Memorise your security details and securely destroy anything containing your these details as soon as you received it and remembered it.
• When you set or change your security details, you must ensure they cannot be easily guessed.
• Never write down or record your security details.
• Never allow anyone else to use your security details.
• Always be sure that you know the person you are sending money to and that you are comfortable with the reason you are sending money.
• Monitor your accounts and tell us if there is activity or transactions that you do not recognise.
• Never click on a link or open a document attached to an email unless you are sure you know and trust the sender.  
• Tell us straight away if you suspect, or discover, that someone else knows your security details or you believe that your security details may have been misused.

If we suspect any fraudulent activity we may suspend your account(s) until we are satisfied that your account(s) are safe.