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  • FIRST POST
    • Samsung_Note2
    • By Samsung_Note2 6th Oct 17, 8:42 AM
    • 96Posts
    • 26Thanks
    Samsung_Note2
    Check My Credit File..?
    • #1
    • 6th Oct 17, 8:42 AM
    Check My Credit File..? 6th Oct 17 at 8:42 AM
    Just seen an advert on TV for this company...whilst ive no interest in giving them £14.99 a month,what im curious about is they state See your data* from 4 Credit Reference Agencies, not just 1.

    So who is the fourth CRA...??

    Looked for the * on there site and couldn't find any reference to that.
Page 1
    • zx81
    • By zx81 6th Oct 17, 8:51 AM
    • 13,683 Posts
    • 14,151 Thanks
    zx81
    • #2
    • 6th Oct 17, 8:51 AM
    • #2
    • 6th Oct 17, 8:51 AM
    Crediva.

    http://www.crediva.co.uk/frequently-asked-questions/
    • Samsung_Note2
    • By Samsung_Note2 6th Oct 17, 9:57 AM
    • 96 Posts
    • 26 Thanks
    Samsung_Note2
    • #3
    • 6th Oct 17, 9:57 AM
    • #3
    • 6th Oct 17, 9:57 AM
    How come no mentions them...always thought there was three CRA"s.

    Or are they just a rehash like Noddle etc.
    • zx81
    • By zx81 6th Oct 17, 10:06 AM
    • 13,683 Posts
    • 14,151 Thanks
    zx81
    • #4
    • 6th Oct 17, 10:06 AM
    • #4
    • 6th Oct 17, 10:06 AM
    They're separate, but I've never known a lender who uses them.
    • Dandytf
    • By Dandytf 6th Oct 17, 10:24 PM
    • 849 Posts
    • 320 Thanks
    Dandytf
    • #5
    • 6th Oct 17, 10:24 PM
    • #5
    • 6th Oct 17, 10:24 PM
    Just seen an advert on TV for this company...whilst ive no interest in giving them £14.99 a month,what im curious about is they state See your data* from 4 Credit Reference Agencies, not just 1.

    So who is the fourth CRA...??

    Looked for the * on there site and couldn't find any reference to that.
    Originally posted by Samsung_Note2
    I subscribe to checkmyfile who are currently helping me remove an innacurate 2nd default against one debt.
    Took a few years for me to pay for cra checks, though checkmyfile are excellent and upto date with advice when required.
    sc dmp 2012 13k

    Jan 2017 7380 paid. 50% ish...
    • nic_c
    • By nic_c 6th Oct 17, 11:15 PM
    • 1,026 Posts
    • 586 Thanks
    nic_c
    • #6
    • 6th Oct 17, 11:15 PM
    • #6
    • 6th Oct 17, 11:15 PM
    I subscribe to checkmyfile who are currently helping me remove an innacurate 2nd default against one debt.
    Took a few years for me to pay for cra checks, though checkmyfile are excellent and upto date with advice when required.
    Originally posted by Dandytf
    I use the free services of Noddle, Clearscore, and MSE CC to get full reports free each month. Paying a monthly subscription for access and advice that could be got free doesn't seem very
    • Dandytf
    • By Dandytf 7th Oct 17, 11:15 AM
    • 849 Posts
    • 320 Thanks
    Dandytf
    • #7
    • 7th Oct 17, 11:15 AM
    • #7
    • 7th Oct 17, 11:15 AM
    I use the free services of Noddle, Clearscore, and MSE CC to get full reports free each month. Paying a monthly subscription for access and advice that could be got free doesn't seem very
    Originally posted by nic_c
    Yeah I use those as well.
    Noodle +clearscore seem slow in comparison taking longer to update.
    Mse club uses experian-what happened to experian whom I used for a few years, has there been a shift from experian for cra reporting.
    sc dmp 2012 13k

    Jan 2017 7380 paid. 50% ish...
    • DCFC79
    • By DCFC79 7th Oct 17, 1:49 PM
    • 30,126 Posts
    • 19,067 Thanks
    DCFC79
    • #8
    • 7th Oct 17, 1:49 PM
    • #8
    • 7th Oct 17, 1:49 PM
    Yeah I use those as well.
    Noodle +clearscore seem slow in comparison taking longer to update.
    Mse club uses experian-what happened to experian whom I used for a few years, has there been a shift from experian for cra reporting.
    Originally posted by Dandytf
    I was told by a mortgage broker the main agency that's used by banks is Experian.
    Can people stop loaning money/being a guarator to family/friends, it rarely ends well and you lose out as your money is gone or you get shafted with being a guarantor.
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