Hunter

What is Hunter?

Hunter is the commonly-used abbreviation in the credit industry for the National Hunter system. National Hunter is an anti-fraud data sharing system used principally by lenders and credit card companies, but increasingly by all types of lender.

National Hunter was founded with the assistance of the CML in 1993. It is owned by N Hunter Limited, a not-for-profit company. The fraud prevention system is operated by Experian.

Members of National Hunter submit each and every detail given by consumers on credit applications. These details are subsequently checked against all further applications to identify inconsistencies that may indicate fraud.

Those new applications that throw up inconsistencies are referred for further checks. No application can be automatically declined simply on the basis of information from the National Hunter system.

To find out what National Hunter holds about you, you will need to make a Subject Access Request Request of the company, by sending your full name and address and saying that you are making a Subject Access under section 7 of the Data Protection Act 1998 to:

N Hunter Limited

PO Box 2756

Stoke-on-Trent

ST6 9AQ


The company is obliged by law to respond within 40 days.


Q: Is it the same thing as Cifas?

A: While National Hunter and Cifas both work towards preventing fraud on your credit file, that’s where the similarities end. They both work independently and carry out their own checks to decide what counts as fraudulent activity.

Does Hunter information appear on my Credit Report?

A: No. Any information from National Hunter held on you will only be accessible for you to view by making a Subject Access Request, but it can still affect your ability to take out credit.

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