An Access Seeker is an individual or an agent of an individual who is assisting them to deal with a Credit Reporting Body or Credit Provider and acting on written authority.

Examples of Access Seekers include: Finance and Mortgage Brokers, Consumer Debt Management firms (Credit Repair and Debt Negotiation), Budgeting/Financial Education firms and the Individual.

Accessing a credit report on behalf of a consumer (as an Access Seeker) leaves a file access note instead of an enquiry footprint. This file access note is not visible to Credit Providers and does not impact the consumer’s credit score.