To avoid social or religious discrimination, part of the information about you cannot be collected in the credit report and thus cannot be used in calculating a credit score:
- the addresses where you lived before;
- your gender, religion;
- disputed claims (not considered until there is a final judgment on the case);
- earlier requests for a credit report;
- sensitive personal data.
If you want, you can prohibit the provision of credit reports and score to third parties. In this case, only you will have access to the credit report and companies will receive a message that you have closed access to your credit report.