32 Red Does Credit Checks on their Customers

blakjak

Dormant Account
PABnononaccred
Joined
Jan 29, 2007
Location
Canada
Let me start by saying that I regularly play at several casinos, and this is the first time and only time this has happened, so I assume this is not common practice.

A couple of months ago, I registered and played at 32 Red. Several times a year, I go to Equifax to check my credit report, just to make sure everything is as it's supposed to be. I did this a couple of days ago, and was very surprised (more like shocked) to see that 32 Red had done a credit check on me. Like I said, no other casino has ever done this - only 32Red.

As you know, when a credit check is made on you by anyone, your credit score takes a negative hit - albeit a small one, but a hit nonetheless. At this point, I want nothing more to do with 32 Red because I personally find this quite unacceptable. I'm not financing a car or a house - I'm simply making a small CC deposit, so there is absolutely no need for a credit check! Also, they make no reference about this practice in their Terms and Conditions, and I think they should. People should be made aware that a credit check may be done on them.

I just wanted to warn people that 32 Red may be doing a credit check on you as well, so be warned!
 
32Red is reviewed by Casinomeister

hausse222

Dormant account
Joined
Aug 16, 2010
Location
Europe
Let me start by saying that I regularly play at several casinos, and this is the first time and only time this has happened, so I assume this is not common practice.

A couple of months ago, I registered and played at 32 Red. Several times a year, I go to Equifax to check my credit report, just to make sure everything is as it's supposed to be. I did this a couple of days ago, and was very surprised (more like shocked) to see that 32 Red had done a credit check on me. Like I said, no other casino has ever done this - only 32Red.

As you know, when a credit check is made on you by anyone, your credit score takes a negative hit - albeit a small one, but a hit nonetheless. At this point, I want nothing more to do with 32 Red because I personally find this quite unacceptable. I'm not financing a car or a house - I'm simply making a small CC deposit, so there is absolutely no need for a credit check! Also, they make no reference about this practice in their Terms and Conditions, and I think they should. People should be made aware that a credit check may be done on them.

I just wanted to warn people that 32 Red may be doing a credit check on you as well, so be warned!

Are you sure they made a "credit check" and not only a confirmation for your identity ?
This they make in my country and i never needed to send documents for prove my identity.
 

blakjak

Dormant Account
PABnononaccred
Joined
Jan 29, 2007
Location
Canada
It was a credit check. Regardless, even if it was an identity inquiry, you're credit score still takes a minor negative hit.
 

takethemoney

Banned User - Chargebacks at Slotastic
Joined
Apr 14, 2004
Location
Washington
Did you ask the casino why they did this?
What was their response?

I agree that no casino should ever be checking a player's credit, unless you are applying for credit at the casino and wish to play with markers, which I've never heard of in online gambling.
 

SlotMonster

Twitch Streamer - Affiliate
webmeister
Joined
Apr 2, 2007
Location
Belarus
If I understood it correctly, when a "credit check" is being done, a small amount being blocked on your card (not charged from it, just blocked), so you don't see it on your balance. Funds is usually unblocked within 24 hours.
 

XOXOXOXOXOX

Let em spin...
PABaccred
Joined
Dec 2, 2008
Location
O Canada!
If I understood it correctly, when a "credit check" is being done, a small amount being blocked on your card (not charged from it, just blocked), so you don't see it on your balance. Funds is usually unblocked within 24 hours.

actually credit check in Canada means something else

"A report containing detailed information on a person's credit history, including identifying information, credit accounts and loans, bankruptcies and late payments, and recent inquiries. It can be obtained by prospective lenders with the borrower's permission, to determine his or her creditworthiness."
 

P.V.

Dormant Account
webmeister
Joined
Apr 17, 2010
Location
Turn around...
Sounds like a hard pull from what the OP is saying. Here's a link explaining soft and hard pulls. :)

Old / Expired Link
 

blakjak

Dormant Account
PABnononaccred
Joined
Jan 29, 2007
Location
Canada
No prob with changing thread title, maxd. I should have know better myself.

Not sure if soft pull/hard pull applies as there is nothing to differentiate the two on my credit report. The 32Red check is listed with the credit checks that my auto finance company, mortgage company, cc companies, etc. have made in the past. Those credit checks are expected as they are related to financing and cc applications I've made in the past (which were legit credit checks). At any rate, whether it's a hard or soft pull is irrelevent - 32Red has no business performing any type of credit check on their customers, especially without informing them about this practice. This is what I have a problem with.
 

Nifty29

Dormant account
Joined
Jun 20, 2001
Location
Turn right, then right. then right again
No prob with changing thread title, maxd. I should have know better myself.

Not sure if soft pull/hard pull applies as there is nothing to differentiate the two on my credit report. The 32Red check is listed with the credit checks that my auto finance company, mortgage company, cc companies, etc. have made in the past. Those credit checks are expected as they are related to financing and cc applications I've made in the past (which were legit credit checks). At any rate, whether it's a hard or soft pull is irrelevent - 32Red has no business performing any type of credit check on their customers, especially without informing them about this practice. This is what I have a problem with.

Actually, the privacy policy states that they can use a Credit Reporting Agency to confirm your identity and that this particular activity does NOT affect your credit rating. In fact I can't see how it would as you are not applying for credit. I am certain there will be some kind of classification for ID-only checks and they may not even be visible to potential creditors. You need to contact the CRA and seek clarification about the effects it has had on your score before suggesting that 32Red are damaging your personal financial reputation.

Remember, you did agree to this when you created your account.
 

P.V.

Dormant Account
webmeister
Joined
Apr 17, 2010
Location
Turn around...
No prob with changing thread title, maxd. I should have know better myself.

Not sure if soft pull/hard pull applies as there is nothing to differentiate the two on my credit report. The 32Red check is listed with the credit checks that my auto finance company, mortgage company, cc companies, etc. have made in the past. Those credit checks are expected as they are related to financing and cc applications I've made in the past (which were legit credit checks). At any rate, whether it's a hard or soft pull is irrelevent - 32Red has no business performing any type of credit check on their customers, especially without informing them about this practice. This is what I have a problem with.

I see your point, I personally wouldn't want this on my credit report either. Oh, BTY - Their site does say the following:

"By accepting these terms and conditions you consent to such checks being made. In performing these checks personal information provided by you may be disclosed to a registered Credit Reference Agency which may keep a record of that information."

Why would they provide your information to a Credit Agency if they wern't going to do a credit check?

Again I don't like the process as you but from a quick review over at 32red, they've done nothing wrong per their privacy terms.
 

GrandMaster

Dormant account
Joined
Jan 21, 2004
Location
UK
Why would they provide your information to a Credit Agency if they wern't going to do a credit check?
Because they are doing identity and address verification. I don't know whether it is even visible to lenders, but if it is, it will be marked as an identity check not a credit check.
 
Last edited:

baldidiot

Full Member
webmeister
Joined
Oct 1, 2010
Location
London
Just to add to Niftys post - it was most likely an identity verification check, this check is visible on your copy of the credit report so you can know who's been snooping, but it isn't visible to anyone else (eg: potential lenders). So it will have no effect on your credit rating. Unless of course, somethings changed in the years since I worked for a bank, which I'll admit is a possibility...

FYI, a couple of other big UK brands also do this (Sky, National Lottery) as well as a host of other (non-gambling) companies.
 

threescatters

Dormant account
PABnonaccred
Joined
Dec 15, 2009
Location
UK
There is a thread somewhere else on this forum about WagerWorks doing this. As has already been said it was confirmed then as an identity check and nothing to do with your finances also it is NOT visible to other lenders and is NOT having any effect on your report whatsoever.
 

path

Dormant Account
Joined
Oct 27, 2004
Location
Gibraltar
Ladies and Gents,
Just to clarify matters and apologies for having not done this sooner (the delights of a week off!).

We undertake a number of checks so as to validate personal information (name, address and date of birth as examples) that has been supplied by a player. These checks are undertaken in the background at the time of an initial deposit and we utilise the services of GB Group in the UK (
You do not have permission to view link Log in or register now.
) and 192.com for the Rest of the World (
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) to facilitate the checks.
In performing these checks we may disclose some of the information to a Credit Reference Agency who in turn has a legal responsibility to keep records of all searches undertaken.

These checks are only undertaken to confirm identity and at no point are we seeking a credit check and, as a result, an individual’s credit rating will not be affected. As 'baldidiot' states these ‘non-credit’ searches that we undertake are not seen by any financial institution (lenders are only able to see credit searches) but an individual will see all searches undertaken about them when they apply for their own credit report.
Regards
Pat
 

sattty

Experienced Member
Joined
Oct 4, 2011
Location
wakefield
wish all casinos would verify players that way..would save on all this document sending..because frankly u never know what someone can do with the documents that you are asked to send...im perfectly happy to be verified in such a way as im sure most would be ..as long as it simply for verification puirposes i see no harm to it....

it far better than sending someone copies of passports driving licences utility bills details bank statements etc etc...these are important docs that hold a lot of personel information that in the wrong hands can be very harmful to us..
 
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