Credit Check Investigation

The request was partially successful.

Dear Erewash Borough Council,

1. Do you have an contract in place to purchase credit checks, or a purchase history from any of the following credit reference agencies?
(Call Credit/TransUnion, Equifax, Experian or Other(Please specify))

If so, can you please provide the following information.
2. Date that your agreement expires
3. Quantity of Credit Checks Purchased
4. Cost of Credit checks (Ideally cost per credit check)
5. What activities/services use these credit checks

6. Can you please outline how the results from these credit checks are generally stored by the council. For example are they in PDF format, or does your supplier have a software platform that you log into?

7. Finally, can you please inform me if you use credit checks to verify Single Person Discount claims for Council Tax? If so, is this done internally by the council, or do you outsource this work to a third party?

For avoidance of doubt, I am making this request under the Freedom of Information Act. I await your response within 20 working days.

Thanks in advance for your assistance.

Yours faithfully,

T Gregory

Erewash Borough Council

Dear [FOI #694107 email],

This is an automated reply to let you know that we have received your
request. We will provide you with an official acknowledgement as soon as
possible.

In light of the Coronavirus (COVID-19) outbreak, Erewash Borough Council
is experiencing extra demands on its services and capacity, which has led
to some resources being diverted away from the usual tasks. Whilst we will
still endeavour to respond to information requests within the statutory
timescales, this may not be possible in all cases. Please be assured that
we will provide a response as soon as possible and, where it is not
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your request will be fulfilled.

Helen Keast, Erewash Borough Council

Dear Sir/Madam

Freedom of Information Act 2000 - Request for Information

Thank you for your request for information under the Freedom of Information Act 2000. We will now proceed with the new request which we received on 25 September 2020.

In light of the Coronavirus (COVID-19) outbreak, Erewash Borough Council is experiencing extra demands on its services and capacity, which has led to some resources being diverted away from the usual tasks. Whilst we will still endeavour to respond to information requests within the statutory timescales, this may not be possible in all cases.

Please be assured that we will provide a response as soon as possible and, where it is not possible to meet the deadline, attempt to provide an estimation of when your request will be fulfilled.

The officer dealing with your request is [email address]

This request may be subject to certain exemptions as prescribed under the Freedom of Information Act 2000, in which case the Authority may have to refuse the request, or any part of the request, subject to determining whether any exemptions are applicable.

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Any future correspondence you may have in relation to this matter should be marked private & confidential and sent to the Information Officer at the above address.

Martin Durkin
Performance and Information Security Officer

Performance and Communities
Erewash Borough Council
Ilkeston Town Hall, Wharncliffe Road, Ilkeston, Derbyshire DE7 5RP
Tel: 0115 907 22 44
Extension: 3579

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Martin Durkin, Erewash Borough Council

Dear T Gregory

Apologies for the delay in responding to your request; we are experiencing difficulty in locating parts of the information requested, but I hope to have a response for you soon after the weekend.

Regards

Martin Durkin 
Performance and Information Security Officer

Performance and Communities
Erewash Borough Council
Ilkeston Town Hall, Wharncliffe Road, Ilkeston, Derbyshire DE7 5RP
Tel: 0115 907 22 44
Extension: 3579

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Martin Durkin, Erewash Borough Council

Dear T Gregory

 

Freedom of Information Act 2000 - Request for Information

 

I am writing in respect of your recent enquiry for information held by the
Authority under the provisions of the Freedom of Information Act 2000.

 

Apologies, once again, for the delay. Having consulted our Accountancy and
Revenues departments on your specific request, they inform me:

 

Accountancy

 

1. Do you have an contract in place to purchase credit checks, or a
purchase history from any of the following credit reference agencies?  -
Yes, Equifax

If so, can you please provide the following information.

2.            Date that your agreement expires   - No end date, as only
used when required

3.            Quantity of Credit Checks Purchased - 5 during 2019-20

4.            Cost of Credit checks (Ideally cost per credit check) -
£8.45 each

5.            What activities/services use these credit checks - Various

 

6. Can you please outline how the results from these credit checks are
generally stored by the council. For example are they in PDF format, or
does your supplier have a software platform that you log into?  Hard copy

 

Revenues

 

1. Do you have an contract in place to purchase credit checks, or a
purchase history from any of the following credit reference agencies?

Yes, TransUnion

 

If so, can you please provide the following information.

2.            Date that your agreement expires June 2021

3.            Quantity of Credit Checks Purchased 1,500 per year

4.            Cost of Credit checks (Ideally cost per credit check) Not
known. The contract is for the partner authorities in the Derbyshire Fraud
Initiative and doesn’t include a breakdown per check

5.            What activities/services use these credit checks Revenues
and benefits claims

 

6. Can you please outline how the results from these credit checks are
generally stored by the council. For example are they in PDF format, or
does your supplier have a software platform that you log into? Hard copy

 

7. Finally, can you please inform me if you use credit checks to verify
Single Person Discount claims for Council Tax? If so, is this done
internally by the council, or do you outsource this work to a third party?
Yes, by Transunion

 

 

 

 

You may find further information of interest in our disclosure logs at:
[1]https://www.erewash.gov.uk/index.php/fre...

 

Most of the information that we provide in response to the Freedom of
Information Act 2000/Environmental Information Regulations 2004 requests
will be subject to copyright protection. In most cases the copyright will
be owned by Erewash Borough Council. The copyright in other information
may be owned by another person or organisation, as indicated by the
information itself.

 

You are free to use any information supplied for your own use, including
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For information where the copyright is owned by Erewash Borough Council
details of the conditions on re-use can be found on our website at:
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For information where the copyright is owned by another person or
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If for whatever reason you are unhappy with our response you are entitled
to pursue any dissatisfaction through the Council's Complaints Procedure
details of which are available via the Council’s website at:-
[3]https://www.erewash.gov.uk/index.php/com...

 

Should you remain dissatisfied you can appeal against the decision by
contacting the Information Commissioner. Generally, the Information
Commissioners Office cannot make a decision unless you have exhausted the
complaints procedure provided by Erewash Borough Council. The Information
Commissioner can be contacted at: The Information Commissioner’s Office,
Wycliffe House, Water Lane, Wilmslow, Cheshire SK9 5AF. If you have any
further queries regarding this matter please refer them to the Information
Officer at the address below.

 

Yours sincerely

 

 

 

Martin Durkin 
Performance and Information Security Officer

 

Performance and Communities

Erewash Borough Council
Ilkeston Town Hall, Wharncliffe Road, Ilkeston, Derbyshire DE7 5RP
Tel: 0115 907 22 44
Extension: 3579

 

 

 

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