MSE News: Guest Comment - Why should we pay for OUR credit reports?

Where can you get a report for two quid?

I'm desperate to take a look at my credit report as my neighbours have been fraudulently using my address for credit cards, loans etc.

But every company I find on line wants at least £30 and my credit card number and a monthly fee! And that is from following the links on this website.

deedee71 wrote: »

Where can you get a report for two quid?

I'm desperate to take a look at my credit report as my neighbours have been fraudulently using my address for credit cards, loans etc.

But every company I find on line wants at least £30 and my credit card number and a monthly fee! And that is from following the links on this website.

Just sign up for noddle.co.uk you don't need to pay a penny for your credit report, more info here

https://forums.moneysavingexpert.com/discussion/3299620

Noddle is good but it would be good within the user interface to say how the information is being used and exchanged. A couple of examples:

There's a place to supply financial and stability information like income and time at address. There's no disclosure on that screen about how that information will be used, not even a short form "we'll tell businesses who ask for a form of credit report form us what you say here" if that will happen. One reason this is important is that such things can be a powerful tool for what if testing, but it would be a very bad thing if what if test information was disclosed to potential lenders as supposedly accurate information provided by the consumer. It's essential that the consumer knows whether and how it's disclosed so that they know that if they do use it for experiments they know that they need to erase it (how?) or set it to accurate values.

There's a list of financial products from a different company but no disclosure link within the user interface where you can see exactly what information is being provided to them to generate the list. Whether it's the credit score, the count of accounts or some or all of the financial information that should have an explicit disclosure of exactly which information items are supplied.

Deedee don't only check noddle (callcredit) - its the least used of all the 3 credit reference agencies, whilst you can get free trials for the other 2 I would just order the £2 statutory report from each of them (experian and equifax).

That said your credit report will only show credit accounts in your name. If your neighbours have been using their names but your address then these accounts would not show on your file - or affect your ability to get credit. But still I would still check your reports and make sure you check the financial associations to ensure you haven't accidentally been financially linked to these people.