(1) Subject to paragraph (2) and (4), a credit information provider shall verify an individual's address against an original or copy of any of the following documents issued in the previous six months -

(a) a utility or telephone bill;

(b) a statement from a credit institution;

(c) any correspondence from the Department of Social Protection or the Revenue Commissioners addressed to the individual;

(d) any correspondence from any other statutory body or State agency addressed to the individual;

(e) any correspondence from an insurance company addressed to the individual in respect of an insurance policy currently in force.

(2) If a credit information subject does not possess any of the documents specified in paragraph (1) the credit information provider may verify the information against any other reliable document that contains the address of the credit information subject.

(3) In determining the reliability of the document referred to in paragraph (2) the credit information provider shall have regard to the following:

(a) the nature of the body by whom the document was issued;

(b) the nature of the document;

(c) whether it might reasonably be expected that the document was issued following checks on the identity of the person.