Credicorp
Data Retention Schedule — Credicorp
The bindin loan greement is in English (the law o England an Wales). We can gie ye a Scots owerview alangside it. The English version is the ane that coonts in law.
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Whit this is
A plain-Scots table o hou lang we keep different kinds o information aboot ye, why, an whit yer options are.
Read this in English
Subject Access Request — UK Lender | Credicorp
Subject access request procedure at a UK business lender: how to ask Credicorp for your personal data, what to expect, and timescales.
Credit Reference Agency & Data Sharing Notice
Exactly what data Credicorp shares with credit reference agencies and payment processors.
Regulatory Status and Legal Basis
Why lending to a UK incorporated company is outside FCA consumer-credit regulation (FSMA RAO 2001, Articles 60B / 60C / 60H).
AI and Automated Decision-Making
How Credicorp uses automated tools in lending decisions and your right to human review under UK GDPR Article 22.
The retention table
Scots draft — wytin on a native-speaker review. The English version o this document is the authoritative ane gin there's ony ambiguity. Read this in English
| Whit | Hou lang | Why |
|---|---|---|
| Drawn loan records | 7 years frae final settlement | FCA / HMRC regulatory minimum (6 years) + 1-year safety margin |
| Declined applications | 12 months frae the decline | Audit + fairness review windae |
| Marketin data | Till ye withdraw consent, or 24 months o inactivity | PECR + GDPR Article 21 |
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