Credit reference and debt recovery process

The Society’s credit agencies, for reference and identity verification, are Equifax, Call Credit and Experian. We will give you 28 days' notice before recording a default with the credit reference agencies. The default will remain on the credit reference agency records for 6 years. A third party such as a solicitor or Debt Collection Agency may be used to recover the debt; if we decide to take this action we will inform you before we disclose your details to them. If we are unable to find you, we pass your information on to a Tracing agency.