atticus wrote:A creditor is someone to whom money is owed by a debtor.
I agree, but I can find nothing in the legislation that prevents any supplier of services paid for in arrears from sharing data with CRAs.
"Data Protection Technical Guidance
Filing defaults with credit reference agencies
" by the ICO says:
"For the purposes of this guidance the term ‘lender’ may include companies which extend credit without
making loans, for example, a telecoms company or utility".
I suspose 'lender' has a wider meaning than 'creditor' but they could also use the word 'supplier'.
The addition of water and utilities to CRA records is very recent. Even landlords are now considered 'lenders' as they too can report rent payments. I don't think this was originally intended when CRAs were introduced. The clue is in the title credit