Credit Checks?How do banks 'view'your Credit file?

[flamingate]

When you purchase your credit files, Equifax, Experien, and see your whole credit files,

and then if you apply for say a current bank or a saving account with a bank, and they a check your credit files too.

Then how do they view your credit files?
- Do they actually access your full credit file, and look at it 'all' in exactly the same way as you do,do when you purchase the online version for £2, etc?

- Or they see a simplified version of it ? and cant see the full version due to data protection?

- or all they just see a credit score number ?

I am on about a current bank or a saving account, doing a check on your credit file,

for electroll roll data etc.

[Foggy]

There are different checks. For an identity check, they will just see address details and electoral roll entries. nothing financial.

For a full check they will see the lot -- basically what you see.

There is no data protection issue and you will have given permission.

[Kelly O]

if you are applying for a basic bank account the bank are more concerned about identify verification such as council tax and electoral role information