Wiremi Verify · Your rights
The file belongs to you, not to us.
If a lender or a landlord runs a check on you, this page is what you are entitled to. Six rights, each with the guarantee that makes it real. None of it is buried in a contract.
- To answer
- 15 min
- Access window
- 30 days
- To decline
- $0
Consent request
Expires in 15:00- Purpose
- Tenancy screening
- Depth
- Full check
- They will see
- Score, tier, standing, circles, lending, behaviour
- They will not see
- Address, contacts, transactions
Your enquiry history
3 ENTRIES · 7 YEARS- ApprovedMeridian PropertyToday · Tenancy screening · Full
- ApprovedNorthway Auto Finance20 Aug · Lending decision · Soft
- RefusedUnlisted requester18 Aug · No purpose given · Full
- ExpiredHarbourfront Lettings02 Aug · Tenancy screening · Full
The six rights
Six rights. One guarantee behind each.
A right you cannot check is a promise. Each of these names the default, the cost or the window that makes it real, and the app shows the same figure.
- 01
To be asked first
DefaultNothing is sharedNothing is released without your yes. Every request shows who is asking, where they are and the purpose they gave, and it expires on its own in fifteen minutes if you do nothing.
- 02
To see who looked
HistoryEvery enquiry, 7 yearsYour enquiry history lists every check ever run against your file: who ran it, when, at what depth, and under what stated purpose. Declined and expired requests are in it too.
- 03
To decline without penalty
Effect on scoreNoneA decline is not an adverse event and does not touch your score. The requester is not charged and is told only that you declined, never why. It is approving a full check, not refusing one, that leaves a mark.
- 04
To freeze your file
CostFree, unlimitedFreeze it and no new request can even reach you. Unfreeze when you are ready. It is free, it is instant, and there is no limit on how often you do it.
- 05
To dispute an entry
VisibleAt every stageRaise a dispute on anything in the file. The case runs investigate, correct, re-file and notify, and you can see where it sits at every stage.
- 06
To have access close
Access window30 days, then closedWhatever you approve is scoped to what you agreed and closes after thirty days on its own. Nothing is resold, and nothing is kept beyond the audit record.
What a requester sees
Only what you ticked.
Approving a check is not a blanket yes. The request names a depth, and the depth decides what is legible. A soft check cannot see your balances or your behaviour, whatever the requester would prefer. And some things are never in a check at all.
Released with your yes
BY DEPTH- Score and tierSoft
- Standing, and since whenSoft
- Circle count and on-time rateSoft
- Lending history and balancesFull
- Savings heldFull
- Transaction behaviour, not the ledgerFull
- Enquiry historyFull
A soft check reads the first three. A full check reads all seven and is recorded on the file.
Never released
AT ANY DEPTH- Your addressNever
- Your phone number and emailNever
- Your circle members’ identitiesNever
- Individual transactionsNever
- Anything, to a requester with no stated purposeNever
Not in a soft check, not in a full check, not for sale. A request with no purpose is refused before it reaches you.
Mind your file
A full check is written on your file. Too many in a month count against you.
A soft check leaves no mark, however many you approve. A full check is recorded on the file, and three or more in thirty days show as a drag on your Community Credit. So approve a full check for a decision you actually want made, and not for every merchant who would like a look. Declining, or letting a request expire, costs you nothing.
Never affects the score, however many you approve.
One is normal for a decision that matters, a lease or a loan.
Three or more full checks in thirty days count against you.
On the clock
Every window closes on its own.
Nothing about being checked needs you to remember to do something later. The request, the access and the record each have a clock, and the clock does the work.
- 0:00
The request arrives
Who is asking, from where, why, and at what depth. Nothing has moved yet.
- 15:00
It expires on its own
Do nothing and the request dies unanswered. Nothing is shared and nothing is logged against you.
- Day 30
Access closes
Whatever you approved closes by itself. To read the file again, they ask again.
- Year 7
The log is still yours
Every request, answered or not, stays in your enquiry history for seven years.
If something in the file is wrong
Dispute it, and watch it move.
A dispute is a case with a stage, not an email into a queue. You see which stage it is at, and the entry is marked as disputed the whole way through.
- 01
Investigate
You raise the dispute on the entry, in the app. It is marked as disputed and the case opens with the source of the entry.
- 02
Correct
If the entry does not hold up, it is corrected or removed. If it does, you are told why.
- 03
Re-file
The file is recomputed with the corrected entry, and what moved is shown in the app.
- 04
Notify
You are told the outcome in writing, and the case closes where you can still read it.
If you are being checked
- Someone asked for my Credit ID. Should I give it?
- A Credit ID on its own does nothing. It cannot be used to read your file, it only lets someone send you a request, which you then approve or decline. Nothing moves without your yes.
- Can I see who has checked me?
- Yes. Your enquiry history lists every check with the requester, the date, the depth and the purpose they stated, including the ones you declined and the ones that expired.
- What if a check was run that I did not approve?
- It cannot happen through Verify. Consent is the gate. If something looks wrong in your enquiry history, dispute it and write to [email protected].
- Does declining hurt me?
- No. Declines are not adverse events, they do not touch your score, and the requester is told only that you declined.
- Does being checked affect my score?
- A soft check never does. A full check is recorded on your file, and three or more full checks in thirty days show as a drag on your Community Credit. Approve full checks for decisions you want made, a lease or a loan, and let the rest expire.
If you are being checked
Nothing moves without your yes.
Read the request, approve it or leave it, and see it in your history either way.