I recently asked my bank about my options for extending an existing loan. I was surprised when they instantly declined me due to "an anomaly on my credit check". I've never subscribed to view my credit score but after hearing this, I paid Equifax £14.95 to see it. My score was very good (in their Excellent range) so I sent my bank a copy of it with a letter asking them to explain what the anomaly was. Their reply was cautiously worded but made it patently clear that the problem was the credit rating of someone listed on my report as a Financial Dependent. I have two issues with this:-
1) Who decides that the person in question (my girlfriend) is financially dependent on me? We're not married and she would certainly be angry and upset to be considered financially reliant on me.
2) How does my bank have permission to view her credit report? I thought permission always had to be sought before performing a credit check. I can understand them performing a check on me as part of my enquiry but I don't see how that can implicitly extend permission to 3rd parties.