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32 Red Does Credit Checks on their Customers

Discussion in 'Online Casinos' started by blakjak, Dec 4, 2011.

    Dec 4, 2011
  1. blakjak

    blakjak Dormant account

    Occupation:
    Technical
    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!
     
    1 person likes this.
  2. Dec 4, 2011
  3. hausse222

    hausse222 Experienced Member MM

    Location:
    Europe
    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.
     
  4. Dec 4, 2011
  5. blakjak

    blakjak Dormant account

    Occupation:
    Technical
    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.
     
  6. Dec 4, 2011
  7. takethemoney

    takethemoney Banned User - Chargebacks at Slotastic

    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.
     
  8. Dec 4, 2011
  9. SlotMonster

    SlotMonster SoftSwiss Representative webmeister

    Occupation:
    Manager
    Location:
    Somewhere in eternity
    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.
     
  10. Dec 4, 2011
  11. XOXOXOXOXOX

    XOXOXOXOXOX Let em spin... PABaccred

    Occupation:
    Software developer
    Location:
    O Canada!
    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."
     
  12. Dec 4, 2011
  13. P.V.

    P.V. Senior Member webmeister

    Occupation:
    Make money!
    Location:
    Turn around...
    Sounds like a hard pull from what the OP is saying. Here's a link explaining soft and hard pulls. :)

    You must register/login in order to see the link.
     
  14. Dec 4, 2011
  15. maxd

    maxd Complaints (PAB) Manager Staff Member

    Occupation:
    The PAB Guy
    Location:
    Saltirelandia
    Minor change to the thread title: deleted "Warning" because it could be confused with an official Casinomeister Warning. Apologies in advance for any inconvenience this might cause.
     
  16. Dec 4, 2011
  17. takethemoney

    takethemoney Banned User - Chargebacks at Slotastic

    Location:
    Washington
    The guy is in Canada and I doubt that has any relevance there.
     
    1 person likes this.
  18. Dec 4, 2011
  19. blakjak

    blakjak Dormant account

    Occupation:
    Technical
    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.
     
  20. Dec 4, 2011
  21. Nifty29

    Nifty29 Dormant account

    Occupation:
    PAID CASINO SHILL
    Location:
    Turn right, then right. then right again
    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.
     
    4 people like this.
  22. Dec 4, 2011
  23. P.V.

    P.V. Senior Member webmeister

    Occupation:
    Make money!
    Location:
    Turn around...
    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.
     
  24. Dec 4, 2011
  25. P.V.

    P.V. Senior Member webmeister

    Occupation:
    Make money!
    Location:
    Turn around...
    You beat me to the draw Nifty! :D
     
    1 person likes this.
  26. Dec 4, 2011
  27. GrandMaster

    GrandMaster Ueber Meister CAG

    Occupation:
    Mathematician by day, online gambler by night.
    Location:
    UK
    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: Dec 4, 2011
  28. Dec 4, 2011
  29. Seventh777

    Seventh777 RIP Roy

    Occupation:
    Builder, mainly renovations.
    Location:
    Planet Tharg, dark side, where nothing grows.
    I remember my 1st withdrawal at 32Red I rang them and asked if they required any identity verification docs, `Nope, we have already verified you`, worked for me, and as stated by Nifty, we gave them permission to do this when joining.
     
  30. Dec 4, 2011
  31. baldidiot

    baldidiot Experienced Member webmeister

    Occupation:
    Webmaster
    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.
     
    2 people like this.
  32. Dec 4, 2011
  33. threescatters

    threescatters Dormant account PABnonaccred

    Occupation:
    .
    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.
     
  34. Dec 11, 2011
  35. path

    path Newbie member

    Occupation:
    Operations Director
    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 must register/login in order to see the link.) and 192.com for the Rest of the World (You must register/login in order to see the link.) 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
     
    10 people like this.
  36. Dec 11, 2011
  37. sattty

    sattty Senior Member

    Occupation:
    im disabled so cant work now..but used to be in th
    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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