Wager Works Ran A Credit Check On Me

[guesswest]

I'm not a regular poster so I don't know if this has been covered in the past, apologies if so.

I was looking at my UK credit report today and I noticed a few months ago Wager Works ran a credit check on me. I assume this possibility is buried somewhere in their T&Cs (I don't even know which site it was so I can't check this), but even if so I think most peoples' assumption would be that they would only do this if they had an unusual and compelling reason to do so, ie strongly suspected fraud. In my case I hardly play at WW and have never deposited or cashed out any large amounts, so I can only assume this is a routine/random thing.

It's a big deal IMO. Firstly, it automatically knocks a few points off your credit score anytime someone runs it. Secondly, would be creditors can see how many enquiries are lodged, and the more you have the worse it looks, because the assumption is that all of them are from people who you have requested credit from. And lastly it's a gambling company - chances are most people won't know the name, but if they do they'll tag you as a gambler, and that's never going to look good on a credit application.

I'm not going to go as far as to say there are no circumstances at all under which a casino would be within good practice to run your credit, but it's a significant intrusion of privacy and I just want to make aware anyone who isn't already that they might do this.

 

[rockycatt]

I'm not a regular poster so I don't know if this has been covered in the past, apologies if so.

I was looking at my UK credit report today and I noticed a few months ago Wager Works ran a credit check on me. I assume this possibility is buried somewhere in their T&Cs (I don't even know which site it was so I can't check this), but even if so I think most peoples' assumption would be that they would only do this if they had an unusual and compelling reason to do so, ie strongly suspected fraud. In my case I hardly play at WW and have never deposited or cashed out any large amounts, so I can only assume this is a routine/random thing.

It's a big deal IMO. Firstly, it automatically knocks a few points off your credit score anytime someone runs it. Secondly, would be creditors can see how many enquiries are lodged, and the more you have the worse it looks, because the assumption is that all of them are from people who you have requested credit from. And lastly it's a gambling company - chances are most people won't know the name, but if they do they'll tag you as a gambler, and that's never going to look good on a credit application.

I'm not going to go as far as to say there are no circumstances at all under which a casino would be within good practice to run your credit, but it's a significant intrusion of privacy and I just want to make aware anyone who isn't already that they might do this.

i agree with your stance ,but are you shure that a credit inquiry will be a negative thing , im not so shure because lets say i price haggle for a auto /house loan these peeps will check my credit and ive bot nothing /done nothing its just history [ive seen a negative remark on a credit report before and there is no mistaking that

also there are other things on a credit history like all the places you have had a account paid off [remarks] but just a merchant inquiry ??

 

[guesswest]

i agree with your stance ,but are you shure that a credit inquiry will be a negative thing , im not so shure because lets say i price haggle for a auto /house loan these peeps will check my credit and ive bot nothing /done nothing its just history [ive seen a negative remark on a credit report before and there is no mistaking that

also there are other things on a credit history like all the places you have had a account paid off [remarks] but just a merchant inquiry ??

It's never going to be a good thing, at best it makes no difference. In the example you give the primary concern is that a would-be lender is going to think you bought/did nothing because you got refused credit. Even if they don't mistake it for a credit request, it's still a gambling provider right there on your credit report - if they know the name or choose to google it they're going to know you take -EV gambles with your money and might conclude you're a risk.

It is lodged as a 'generic/identity' query on the report as opposed to a request for credit, but IME those tags don't mean much - there is a real credit request elsewhere on the report with the same tag. It's not the end of the world or anything, it's unlikely to make a big difference, and won't make any in my case as I don't live in the UK anymore - but I was surprised to see it on there and thought I should warn people.

 

[LaurieJim]

Its an intrusion of your privacy imho and can also knock off a few points sometimes.

Did you you sign anything stating they could run a credit check on you? I have seen this at B&M casinos when applying for casino credit but im not sure about online gaming.

I dont think i would like to see alot of Inetbet and 3 Dice enquiries on mine and would be highly pissed and would never play there again. What casinos out there pulls crap like this without telling a player or getting his/ her ok.


Laurie

 

[Webzcas]

When you say Wagerworks, do you mean the software company or a casino that uses their software?

Seems extremely highly irregular to me and I would be very annoyed if a casino did that to me.

 

[guesswest]

Its an intrusion of your privacy imho and can also knock off a few points sometimes.

Did you you sign anything stating they could run a credit check on you? I have seen this at B&M casinos when applying for casino credit but im not sure about online gaming.

I dont think i would like to see alot of Inetbet and 3 Dice enquiries on mine and would be highly pissed and would never play there again. What casinos out there pulls crap like this with out telling a player or getting his/ her ok.


Laurie

I didn't knowingly sign anything stating they could run a credit check on me, though if it was in the t&cs I guess I would have done so implicitly by opening an account.

I certainly didn't receive any credit from them. I don't even know what casino it was so I can't check their t&cs - it also seems kinda weird to me that is the network operator and not the casino doing the check, I don't know how that works.

 

[guesswest]

When you say Wagerworks, do you mean the software company or a casino that uses their software?

Seems extremely highly irregular to me and I would be very annoyed if a casino did that to me.

The query is from 'WAGERWORKS UK LIMITED.' I assume it is a particular casino that requested it but I don't know which - am not sure why it originates from the network name and not theirs.

 

[takethemoney]

I, personally would be livid! That's why I never register or play anywhere until I have read the T&Cs with a fine tooth comb. The last thing I would want is for anything gambling related to be on my credit report. In the USA, nobody can run your credit unless authorized and they need your social security number to run it anyway, which I would never give to an online casino. I'd pass on play there, if ever asked for it.

 

[Webzcas]

In the USA, nobody can run your credit unless authorized

Same in the UK as well. You have to be made very aware that a credit check needs to be performed and provide your approval. It can't be hidden away within T & C's.

I've not heard of a casino do this before. No excuse to be part of a security check either. Especially as the casino is not providing credit. Sportsbooks provide credit facilities to their high rollers, but online casinos don't.

Besides in many jurisdictions a gambling debt is legally unenforceable. ( Gibraltar is one of a few notable exceptions )

I have flagged this thread for Bryan/Max/Simmo to look at.

 

[silcnlayc]

guesswest: It's a big deal IMO. Firstly, it automatically knocks a few points off your credit score anytime someone runs it. Secondly, would be creditors can see how many enquiries are lodged, and the more you have the worse it looks, because the assumption is that all of them are from people who you have requested credit from. And lastly it's a gambling company - chances are most people won't know the name, but if they do they'll tag you as a gambler, and that's never going to look good on a credit application.

Ok, relax. I pull credit reports for a living. You will not lose any points. If you go online, and check you report you will see NUMEROUS inquiries into ones credit without permission simply because once you get a credit card, an auto loan or whatever...you are open to these inquiries..they do not affect your credit report.

Many credit card companies are extremely guilty of looking into a person credit history to offer them cards and specials. Just as others do. Check your credit online for free and you will see the list of inquiries ...you might be quite surprised on who is interested in you!

By law, anyone looking into credit of anothers cannot affect it unless it was ordered by the owner of that credit which is you. Then you will have points addressed against your credit if you APPLIED for credit.

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[guesswest]

Ok, relax. I pull credit reports for a living. You will not lose any points. If you go online, and check you report you will see NUMEROUS inquiries into ones credit without permission simply because once you get a credit card, an auto loan or whatever...you are open to these inquiries..they do not affect your credit report.

There are only 4 enquiries on there in the last 6 years and one of them is from me.

By law, anyone looking into credit of anothers cannot affect it unless it was ordered by the owner of that credit which is you. Then you will have points addressed against your credit if you APPLIED for credit..

That's reassuring if true (are you talking about the UK system?), but even if it doesn't impact my score I still have a gambling provider listed on my credit report. In my particular case I really don't care because I don't live in the UK anymore, but potential creditors tend not to think too highly of gamblers, not to mention employers (some government gigs etc require a credit check).

 

[jelsmith]

If you didnt sign a release to check....sue their asses off....Ive had it happen to me not with an online casino but with other things i got a nice 6k out of it a few years ago and the judge sanctioned the company.

 

[LaurieJim]

Ok, relax. I pull credit reports for a living. You will not lose any points. If you go online, and check you report you will see NUMEROUS inquiries into ones credit without permission simply because once you get a credit card, an auto loan or whatever...you are open to these inquiries..they do not affect your credit report.

Many credit card companies are extremely guilty of looking into a person credit history to offer them cards and specials. Just as others do. Check your credit online for free and you will see the list of inquiries ...you might be quite surprised on who is interested in you!

By law, anyone looking into credit of anothers cannot affect it unless it was ordered by the owner of that credit which is you. Then you will have points addressed against your credit if you APPLIED for credit.

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But its still wrong, what would they(Wager Works) be wanting to know from credit inquiries? It still gives me an uneasy feeling, just knowing they can do this.

Laurie

 

[takethemoney]

Silc, I've worked in retail finance for years. I too run credit reports, but I also make loan decisions. There is a difference between "risk model profiling" and an actual credit report. Credit card companies purchase information from the major credit bureaus of potential clients who may meet the XYZ criteria. They do not pull a credit report. They only ask the reporting agency for, as example, customers who are in the 680 - 720 Fair Isaac score, have no bankruptcies more recent than 3 years ago, are current on their present accounts & have no recent repossessions or mortgage forclosures. No credit report is required. Now, if I accept a credit card that I have applied for or have been solicited to receive, then acceptance of said card implies consent for future credit investigations.

 

[silcnlayc]

takethemoney Silc, I've worked in retail finance for years. I too run credit reports, but I also make loan decisions. There is a difference between "risk model profiling" and an actual credit report. Credit card companies purchase information from the major credit bureaus of potential clients who may meet the XYZ criteria. They do not pull a credit report. They only ask the reporting agency for, as example, customers who are in the 680 - 720 Fair Isaac score, have no bankruptcies more recent than 3 years ago, are current on their present accounts & have no recent repossessions or mortgage forclosures. No credit report is required. Now, if I accept a credit card that I have applied for or have been solicited to receive, then acceptance of said card implies consent for future credit investigations.

Yes, that is right. But did they actually "pull" a credit report or was it under INQUIRIES ? If under inquiries...then it has not been pulled, just looked into. There is a difference. Many companies can look "into" ones credit if they have the persons number...Just as you said....

guesswest: creditors tend not to think too highly of gamblers, not to mention employers (some government gigs etc require a credit check).

We had a credit line at a few of our casinos and they too, pulled our credit report up..but it didn't affect the outcome of our numbers. My husband also works for the government and we have gotten our report pulled a few times already by them and it has been of no consequence when they saw Tropicana, Sands etc on the report. I guess gambling legally doesn't impress them .

This is for USA:

5. Uses of Credit Reporting for Marketing: What Is and Is Not Allowed?

Can the information in my credit file be used for any other purposes?

Yes. The practice of generating and selling lists for use in "pre-approved" credit and insurance offers is allowed by law. TransUnion, Experian and Equifax all engage in selling lists of consumers who meet certain criteria in order to receive a "firm" offer of credit or insurance. This is the source of the many pre-approved credit offers most consumers receive in the mail.

"Pre-approved" and so-called "firm" offers of credit,

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[takethemoney]

Yes, that is right. But did they actually "pull" a credit report or was it under INQUIRIES ? If under inquiries...then it has not been pulled, just looked into. There is a difference. Many companies can look "into" ones credit if they have the persons number...Just as you said....



We had a credit line at a few of our casinos and they too, pulled our credit report up..but it didn't affect the outcome of our numbers. My husband also works for the government and we have gotten our report pulled a few times already by them and it has been of no consequence when they saw Tropicana, Sands etc on the report. I guess gambling legally doesn't impress them . I make millions of dollars in loans. Trust me, in my capacity, I am required to know a thing or two about how credit reports work.

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What the heck are you talking about? You can only get inquiries IF a credit report has been run. A prescreen, as I was talking about will not result in an inquiry at the bottom of the credit report. You are from the USA, right?
Maybe if you live somewhere else, they do it differently. Actually inquiries do effect your credit score, and several of them will lower your score. 1 or 2 probably not much.

 

[silcnlayc]

takethemoney: What the heck are you talking about? You can only get inquiries IF a credit report has been run.A prescreen, as I was talking about will not result in an inquiry at the bottom of the credit report. Yes this is what I thought I said. You are from the USA, right? Yes.
Maybe if you live somewhere else, they do it differently. Actually inquiries do effect your credit score, and several of them will lower your score. 1 or 2 probably not much. Here I will differ just as before. See below....

Not necessarily. I am talking about the prescreen also that does show up as an inquiry but does not affect your score. It lists everyone that has requested information on you. We might be talking about the same thing but in a different way I believe.


Read more: Does FICO inquiry affect my credit score?
Source:
Fair Isaacs

The credit scoring guidelines of 2009 calculate an individual's credit score based on payment history, amount owed on open accounts, length of credit history, types of credit and new credit.

Inquiries are not a factor in scoring.




I will say this, I am NOT a credit reporting agency. But I do know the rules and laws on credit report accessing. I had to sign legal papers to be able to do this for my company. This is in the USA only though.

Instead of all this guessing and wondering...just email or call them and find out why they inquired about you. There must be more to this than what we are hearing for no one initiates something such as this unless requested by another or applying for credit or a credit line. So let us know if you receive the answer. Here are the numbers and email to them.

Call Us +44 (0)20 7494 8787



@ Email - [email protected]


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[RedAndi]

We had a credit line at a few of our casinos and they too, pulled our credit report up..but it didn't affect the outcome of our numbers. My husband also works for the government and we have gotten our report pulled a few times already by them and it has been of no consequence when they saw Tropicana, Sands etc on the report. I guess gambling legally doesn't impress them .

The thing is I highly doubt this online casino (or casino group) is looking to give the OP a line of credit!
You make a deposit and that's it, should be no need to get that kind of info about a person for an online.

This freaks me the *F* out to be honest. I would go after these people with guns blazing guesswest, at the very least I would be contacting them and being extremely persistant about what the hell they were doing looking into my credit.

 

[silcnlayc]

RedAndi: I would go after these people with guns blazing guesswest, at the very least I would be contacting them and being extremely persistant about what the hell they were doing looking into my credit.

Absolutely..this is why I posted their contact info to find out the answer to the inquiry...



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[all4greed]

I thought you had to provide an SS number (at least for USA) to run a credit check.

Would be interesting to hear their reason for something that seems outrageous and is a violation of privacy.

 

[LaurieJim]

Is there not a Wager Works Rep on the forum who can explain why this happened and if they do this often?

Laurie

 

[takethemoney]

Is there not a Wager Works Rep on the forum who can explain why this happened and if they do this often?

Laurie

Wouldn't that be too easy?

Brilliant idea, Laurie!

 

[Simmo!]

The query is from 'WAGERWORKS UK LIMITED.' I assume it is a particular casino that requested it but I don't know which - am not sure why it originates from the network name and not theirs.

Could it be Kerching? They like Wagerworks are IGT owned.

...even if it doesn't impact my score I still have a gambling provider listed on my credit report.

I recently applied for a mortgage in the UK. The mortgage broker advised me that one or two credit checks shouldn't hurt my score BUT if there were multiple credit checks in a short space of time it COULD hurt my score.

Either way, a casino shouldn't be running a credit check without your express permission and stickining it in the T&C's simply isn't good enough. My credit rating would be decimated if they all did this. This definitely needs looking into.

@GuessWest - Can I suggest you submit a PAB on this. It should be verified, discussed & investigated more thoroughly for sure.

Please don't think I am suggesting you're not telling the truth, but the fact that Wagerworks of all people did this makes me think, or hope, there might be something else in play here. It seems a mighty odd thing to do for a company that on the whole run a very tight ship.

 

[jetset]

I agree - this has serious implications and needs to be further investigated as soon as possible.

 

[P.V.]

I agree - this has serious implications and needs to be further investigated as soon as possible.

I heard Equifax is screening BC's new website so Wood and WW might be doing the same since there's a connection with him and Equifax. I have no clue if he's still there.

Here's a quote from an old 2006 post on another forum.

*Wood previously held a number of senior roles with Equifax Inc, EDS and Perot Systems, having personally contracted over $1billion of long-term annuity-based income for those companies. He is a published author and commentator on the use of technology and e-enablement in the online sector and has an extensive global network of board level relationships throughout the international marketplace.*

And.

*London, England. (October 2006) - WagerWorks/IGT, the premier iGaming software supplier, today announced the appointment of Marc Wood as Managing Director of WagerWorks UK Ltd. Wood has over 20 years experience in developing international large scale technology services businesses, including Europe's largest independent online payment service processor, DataCash.*

I agree with the OP that a credit check should never be done unless credit is involved and the player approves. I've never heard of an OC being allowed to give credit so don't understand why this happened.

 

[Marie2473]

I just dont see WHY they would even do a creditcheck?

 

[guesswest]

Thanks for the feedback guys, but may have been a false alarm on my part. The query is on there, and looks like this:

Expired Image

But having just read the FAQ, which I should have done before posting, I note this:

Previous searches show the names of organisations that have seen some or all of the information recorded on your credit report within the past 12 months. Searches of your credit report should have been made with your consent. Most will relate to credit applications you have made but some may be routine checks by your lenders on accounts you already have. Unrecorded enquiries, quotations, identity verification checks and credit report applications are shown for you on your copy of your report but are not seen by lenders.

So it looks like this should only be visible to me, and not to lenders. Sorry for being such an alarmist, I should have read through the report properly before I posted.

FWIW I have been trying to think which casino this was. The query was in July, which is around about the time CM added the list of WW casinos, or at least when I noticed it, so I played at a few different ones around that time. However, I'm pretty sure you need a UK address to run a UK credit report. I live in Malta now so I used my Maltese address everywhere I played, with one exception, Mirror casino. They told me I should register with my UK address (which I maintain) despite living in Malta because I wanted to use a UK credit card - so I'm not 100% sure but my best guess is that they are the casino that initiated the check.

 

[silcnlayc]

Simmo!: It seems a mighty odd thing to do for a company that on the whole run a very tight ship.

Very odd..as I said also...

Silcnlayc: There must be more to this than what we are hearing for no one initiates something such as this unless requested by another or applying for credit or a credit line. So let us know if you receive the answer. Here are the numbers and email to them.

And so there is more to this than met the eye...As I said, this cannot be done arbitrarily without consent or knowledge unless it is to offer something or get something....

guesswest: Sorry for being such an alarmist, I should have read through the report properly before I posted.

Glad you gug deeper....because now everyone can relax...

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[RedAndi]

Thanks for the feedback guys, but may have been a false alarm on my part. The query is on there, and looks like this:

Expired Image

But having just read the FAQ, which I should have done before posting, I note this:



So it looks like this should only be visible to me, and not to lenders. Sorry for being such an alarmist, I should have read through the report properly before I posted.

FWIW I have been trying to think which casino this was. The query was in July, which is around about the time CM added the list of WW casinos, or at least when I noticed it, so I played at a few different ones around that time. However, I'm pretty sure you need a UK address to run a UK credit report. I live in Malta now so I used my Maltese address everywhere I played, with one exception, Mirror casino. They told me I should register with my UK address (which I maintain) despite living in Malta because I wanted to use a UK credit card - so I'm not 100% sure but my best guess is that they are the casino that initiated the check.

Ok maybe I am reading this wrong, but to me it doesn't matter if it's only visible to YOU or to ALL with access. To me the alarming thing is that an online casino (or group) would have any reason to run a check or inquiry or whatever.
Or am I missing something?

 

[guesswest]

Ok maybe I am reading this wrong, but to me it doesn't matter if it's only visible to YOU or to ALL with access. To me the alarming thing is that an online casino (or group) would have any reason to run a check or inquiry or whatever.
Or am I missing something?

It is still alarming and pretty uncool, but it's orders of magnitude better that it is invisible except to me and won't impact my rating (assuming I read the blurb right). I assume this is just to confirm ID and the possibility that they might do it was either in the t&cs or covered by some checkbox I skimmed, but I think if they're going to use this method of ID verification they really need to make it front and centre so you just can't miss that you're okaying it.

If it is Mirror casino (not 100% sure on that) their casino standards are right on par with their journalism standards.

 

[rockycatt]

I just dont see WHY they would even do a creditcheck?

could be that they got different stats for target Rich players divided by there net [speculated ]worth

 

[guesswest]

could be that they got different stats for target Rich players divided by there net [speculated ]worth

If I thought that was the case I would be SERIOUSLY pissed. Likewise if they were contemplating offering me credit. I really suspect though that it was just a hamfisted ID check. But would certainly appreciated a WW rep clarifying.

 

[guesswest]

BTW if other UK WW players want to check if they've been subject to the same thing the credit agency is Experian and you can get a free credit report

You do not have permission to view link Log in or register now.

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[bryand]

I thought you had to provide an SS number (at least for USA) to run a credit check.

Would be interesting to hear their reason for something that seems outrageous and is a violation of privacy.

Kinda hard to pull a credit report in the US without being provided a SSN unless you skip trace to get the number.

 

[vinylweatherman]

It's an ID check. The term would read like "we may request documents from you, or verify your ID by electronic means"

It is certainly NOT clear that these "electronic means" involve a type of "credit check", which is likely to confuse or worry those who regularly check their credit files, but do not understand what all the different types of entry are, why they are there, and who can see them.

You get to see EVERYTHING when you get a copy of your own file, as required by the Data Protection Act. Other people, usually companies, only get to see what is relevant to the type of inquiry they have made.

Credit agencies use the Electoral Roll to check names and addresses, so are an obvious choice for companies wanting to check that the name and address you have given them is true.

Casinos that use this method for checking ID are less reliant on getting documents from players, and may only want proof that you are that person, having already verified that a real name & address has been supplied, and not a fake one.

It might help if these was more specific information from casinos on how WE will perceive their "electronic ID checks" if we request our credit files.

 

[hitobito2005]

Guesswest, as Vinyl has said it's just an electronic ID check, they haven't pulled any info about you other than verifying that you exist.

I had one done by the first Wagerworks casino I signed upto back in 2005, I don't think they have run another check since then.

Apparantly it can't be seen by anyone but yourself.

I'm very much in favour of this system - i'd much rather have a company electronically check my ID instantly and not require me to send them documents over unsecure email to possibly unsecure employees.

 

[guesswest]

Guesswest, as Vinyl has said it's just an electronic ID check, they haven't pulled any info about you other than verifying that you exist.

I had one done by the first Wagerworks casino I signed upto back in 2005, I don't think they have run another check since then.

Apparantly it can't be seen by anyone but yourself.

I'm very much in favour of this system - i'd much rather have a company electronically check my ID instantly and not require me to send them documents over unsecure email to possibly unsecure employees.

I'd be surprised if this isn't correct, and I likewise don't necessarily mind them using this system had the information been clearer, but I really don't like that they do this without making it abundantly clear that they will and without explaining the process clearly. People are going to freak seeing an enquiry from a gambling provider on their CR. I'd also like for a WW rep to comment on this, and to make clear EXACTLY what information they can and can't see when they run this check.

 

[winbig]

I'd be surprised if this isn't correct, and I likewise don't necessarily mind them using this system had the information been clearer, but I really don't like that they do this without making it abundantly clear that they will and without explaining the process clearly. People are going to freak seeing an enquiry from a gambling provider on their CR. I'd also like for a WW rep to comment on this, and to make clear EXACTLY what information they can and can't see when they run this check.

What would happen to say, a bank employee, if their bosses or other bigwigs saw a gambling provider's inquiry on said employee's credit report? imo, they'd have a lot of explaining to do, and when they're trying to do so, they're looking like a total ass because they had no idea that an inquiry even existed. It just so happened that the OP keeps up with their credit report and caught it.

Even something as "small" as this issue can definitely cost someone their job or even keep them from getting a job with certain companies; at least that's how it is here in the USA. With so many people looking for work right now, employers are doing everything they can to weed out the "undesirables" in a legal manor, and something like this can be a great excuse for them.

 

[butterflyboogie]

My Opinion

I'd be surprised if this isn't correct, and I likewise don't necessarily mind them using this system had the information been clearer, but I really don't like that they do this without making it abundantly clear that they will and without explaining the process clearly. People are going to freak seeing an enquiry from a gambling provider on their CR. I'd also like for a WW rep to comment on this, and to make clear EXACTLY what information they can and can't see when they run this check.

I am going to put my opinion in here as well. First of all, if it is to verify who yu are then this needs to be stipulated when you sign up...and I am not talking about in all of the mumbo jumbo that is in the T & C. This needs to be something on the sign up page at the bottom that will clearly state "we use an electronic verification process in order to verify imformation. This will show up as an inquiry through Experian, however it will not affect your credit score." Something as simple as this would allow the person to decide whether this is something that he or she wanted to do.

This is not a matter of who can or can not see this information, it is about what "they" can see when the casino runs an inquiry on you. Information such as employment, income status, other credit statistics may be revealed and I would not want anyone or everyone having access to this information. I truly believe this is something that needs to be addressed immediately.

 

[hitobito2005]

What would happen to say, a bank employee, if their bosses or other bigwigs saw a gambling provider's inquiry on said employee's credit report?

It's not possible, unless the employee directly shows them. They cannot access the list of enquiries.

This is not a matter of who can or can not see this information, it is about what "they" can see when the casino runs an inquiry on you. Information such as employment, income status, other credit statistics may be revealed and I would not want anyone or everyone having access to this information. I truly believe this is something that needs to be addressed immediately.

They cannot see any of this information, it's not a credit check.

This info might only be revealed on a full credit check, which they are not doing.

 

[guesswest]

They cannot see any of this information, it's not a credit check.

This info might only be revealed on a full credit check, which they are not doing.

Are you sure about that or are you just assuming? Browsing through the Experian site I see different kinds of ID checks listed which show up with the same tag, which can include info ranging from bank account details to adverse financial history (defaults, CCJs) and even criminal history.

It's true that most basic and cheapest ID check verifies address details only, which if I was gambling man (obviously I am!) I'd put money on being the one they used. But it really needs to be made explicit by WW exactly the nature of the info obtained from the queries they use or reserve the right to use.

 

[P.V.]

I'm guessing anyone can see this on your credit report, of course when given permission to run a credit check. I mean you found it running a standard credit report, correct?


It's not going to hurt you unless someone puts 2 & 2 together and didn't feel comfortable with that type of activity. It was for ID only. I personally wouldn't like it showing on mine but it's done allot during registration which enables many to start playing now vs. sending in doc's prior to play.


Your post was the first I heard about it showing up on a credit report. I thought the pre-id checks were handled though verification software programs integrated into the casino registration. Such as 192business and others do.


I would email the site used and ask them if the report you received is the exact same as what would be looked at by an authorized 3rd. party if you tried to get a loan.

 

[footdr]

So the U.K. allows online gambling?

here in the u.s. only merchants that are membrers of the credit bureau can report. So are online gambling sites able to report to UK credit bureaus?

I would question their reporting.

Especially if they are considered an illegal business

 

[vinylweatherman]

here in the u.s. only merchants that are membrers of the credit bureau can report. So are online gambling sites able to report to UK credit bureaus?

I would question their reporting.

Especially if they are considered an illegal business

It's fully legal now under the new gambling act. It is defined as "remote gambling". Sites not on the whitelist may not directly MARKET through the media, but there is nothing illegal about a player finding out about them on the internet, and then playing there. The UK sees it as "buyer beware", leaving people to make their own minds up. Banks can refuse the transactions, but this is all about limiting their risk of ending up with bad debt, rather than the legality of processing such transactions.

Employers DO look at social activities, and can make judgements based upon them. It can make all the difference where it is hard to differentiate between a number of well qualified applicants.