Credit file checked

Depends is called a hard or soft credit search - I believe if soft, usually if not given your permission, then they don't appear to others searching a file (though I am not an expert, just had it happen to me before, in non-gambling searches).

Soft Stu , what right have they to look at my Business , they are not giving me credit , its shocking what is going on .

Seems firms don't need any permission for soft searches - as say, happened several times to me with other companies (not gambling) even though I didn't realise.
I think they won't affect anything much though in terms of what others will see (as far as I know)

They are starting with the risk assessments now and if they dont like the look of you for any reason then you wont get an account or increased deposit limit. No reason given but you can ask for all the info they have on file and have used through a GDRP request. Always do it as you never know what info they have and it costs them to give it you and its also a legal requirement.

Anybody with half a clue cannot get on with the Firms.
Simple as that

Was meaning exchanges irons.

There's no absolutely justification for it, but only part of the wider erosion of individual responsibility. And the operators will find a way to use it to their advantage.

infantilisation and suicidal empathy. not a great combo! the most depressing part is that there is absolutely no prospect of it slowing down. gimmicks like number 10 north from an installed prime minister being lapped up by the chattering classes. as long as people feel good about themselves, substance is irrelevant.

Bookmakers are definitely carrying out "soft" credit searches for affordabilty without the permission of the person to who the search relates.

There's no such thing as a credit rating / score that is formal. These are made up by CRAs to sell subscriptions and gain commission from affiliates.

What counts is your credit report. It will have variables such as secured and unsecured debt, payment history, defaults, CCJs, bank current accounts, credit availability, hard searches et al.

Lenders will use their own criteria / algorithms to determine whether you are a suitable for them as a customer (upon a hard application, energy switches etc).

It's only a part of your financial jigsaw, and pretty useless in determining affordability for betting, imho.

Yes, getting a credit card and paying it off will help in a limited way, as it helps to demonstrate a customer is reliable, pays on time etc. Most adults will have built up a history though, it's only really significant for foreigners and people moving into adulthood.

Anyone with a live Bet365 account is a problem gambler. They have a real problem finding any winners. Bet365 wouldn't exist without probkem gamblers.

This is the salami slicing technique. Like locking down for three weeks. Not that we will be able to do anything about it, but recognising the approach is necessary.

@steerforth

Devil's Advocate time.  Could you not argue that if a punter is defaulting on his loan repayments, then his gambling deposits are not 'affordable'?

Insurance and utilities are credit. Utilities are billed in arrears and most (not all) people like to pay for insurance monthly. Or at least, that's always included in the quote.

longbridge, I'd like to see how that is applied in practice. How many defaults, how old. Defaults show on the report for six years, after that time has passed, they drop off even if they aren't satisfied. Bankruptcy is discharged after a year. IVAs 5 or 6 years.

Many, many people get missed payments and defaults as they are dumb. Not potless. Change address, change bank accounts, don't open emails or snail mail.

There's a very very weak correlation I'd say, and most people n benefits aren't stacked with loans and credit card agreements. And that's your highest risk group I'd say. People spending money intended for rent and supporting kids being used for bingo, lottery and casino.

If you had to do anything, I would link it to people on benefits except for SP. And they are throttled at bookmakers and platforms by default.

For me it's the same story as the government. Nobody operates in what one might call the 'real world'.

Is there any thread you never turn into a political opinion cider? Btw there appears to be a difference between your "Real Word" and the actual real world e.g You stated that someone receiving a small personal pension would not qualify for Pension Credit and therefore not qualify for Housing Benefit, do you stand by those comments? Merely asking as you seem to be of the opinion that your word is gospel whenever you turn a thread into a politics platform for yourself.

You can do whatever you want. Seems to me you are the person with the grievance. Your opinion is that ACs are not political, you're entitled to hold that, no matter how bizarre it seems to be.

Right. So you're accusing me of turning this thread into a political opinion. But now seem to agree that ACs are political, which is what I have been commenting about. It's not easy, but now you have completely lost me.

Perhaps someone else will be able to translate your posts for me then. As it is beyond me today.