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Do any credit reporting agencies in Europe give consumers control over creditors access? (sopuli.xyz)

submitted 5 months ago by [email protected] to c/[email protected]

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In the US, consumers can freeze their credit worthiness records and receive a code. When the records are frozen, the only orgs that can access the records are those already doing business with the consumer. If a consumer wants to open up a new account, they share the code with the prospective creditor who uses it to see the credit report.

So the question is, how are access controls on credit histories done in various EU nations? Do any use unlock codes like the US, or is it all trust based?

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[–] [email protected] 2 points 5 months ago

In the Netherlands, you need to give permission for someone to check yours, and only credit-providers are allowed to check. I can't look at my neighbor's credit data.