Make a Subject Access Request (SAR)

A Subject Access Request (SAR) gives you access to the information that Noggin HQ holds about you. A Statutory Credit Report gives you access to the information that Noggin HQ has shared with lenders about you.

If you make a SAR, we will share the personal data we hold about you, including any credit scores or indicators we’ve generated. While we may use Open Banking data to create these insights, we don’t often retain or share full bank transaction histories.

A Subject Access Request (SAR) gives you access to the information that Noggin HQ holds about you. It is your legal right under UK GDPR (Article 15) and the  Data Protection Act 2018 to see the personal data an organisation holds about you. It lets you find out what information is stored, why it’s being used, and who it has been shared with.

We are obligated by law to respond within one month and provide a copy of your personal data, explain how it’s being used, and disclose any third parties it has been shared with.

You generally do not have to pay a fee, although a reasonable charge can apply for excessive or repetitive requests.

If your request is refused or not properly handled, you can contact the Information Commissioner’s Office (ICO), to challenge the decision.