Credit Reporting, Account Details & Protecting your Personal Information

When you apply for a line of credit, we’ll conduct a search with Credit Reference Agencies. This will give us information about your current and previous handling of credit. You’ll be able to see that we made a search of your record on your credit file.

If we accept your application, our check will be recorded on your credit file. Other companies who make a search on your credit file will be able to see that we made an enquiry, but they will not know what the outcome of it was. Too many checks with different lenders over a short period of time can affect your credit score, reducing your ability to get credit in the future.

Once you’ve taken a loan, we’ll tell the Credit Reference Agencies about your repayments every month. If you ever want to check information on your credit report, there are a number of services available which you can use free of charge to do so. These include www.CreditKarma.co.uk and www.ClearScore.com.

During your relationship with us, we may conduct soft searches from time to time on your credit file to make sure that we can continue to offer you a line of credit.

One of the credit reference agencies we use is Trans Union. You can find more about them and other Credit Reference Agencies here: Credit Score Frequently Asked Questions | TransUnion UK

To manage your account, we’ll store some information about you. We’ll tell the Credit Reference agencies every month about how you are managing your payments.

You can ask us at any time to show you what information we hold about you. You can do this by going to our contact page and making a Data Subject Access Request.

When our relationship ends, we’ll only store the information we have about you for as long as we reasonably think we need to. We will destroy all data that we no longer require.

Full information on how we use your data can be found in our Privacy Policy which can be found here.

Please make sure you're dealing with the real Drafty. There are fraudsters out there who may try to trick you into applying elsewhere. We'll never ask you for upfront payments, application fees or processing fees.

If you receive a phone call and you are not sure if the person is genuine, end the call, and call us on 0203 695 8072#

Please don't provide personal or financial details to anyone who contacts you to request them. You should report them immediately to Action Fraud by contacting them on 0300 123 2040 or using their online form http://www.actionfraud.police.uk/report_fraud.

It's easy to update your information. Just go to your online account and go to “My Info” where you can make changes. You can also call us on 0203 695 8072# or chat to us when you’re logged in.