Check My Credit File..?

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Samsung_Note2
Samsung_Note2 Posts: 774 Forumite
in Credit file & ratings
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.

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  • [Deleted User]
    [Deleted User] Posts: 35,242 Forumite
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    Crediva.

    http://www.crediva.co.uk/frequently-asked-questions/
  • Samsung_Note2
    Samsung_Note2 Posts: 774 Forumite
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    How come no mentions them...always thought there was three CRA"s.

    Or are they just a rehash like Noddle etc.
  • [Deleted User]
    [Deleted User] Posts: 35,242 Forumite
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    They're separate, but I've never known a lender who uses them.
  • Dandytf
    Dandytf Posts: 4,820 Forumite
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    Samsung_Note2 wrote: »
    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.

    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.
    Replenished CRA Reports.2020 Nissan Leaf 128-149 miles top charge. Savings depleted. VM Stream tv M250 Volted to M350 then M500 since returned to 1gb
  • nic_c
    nic_c Posts: 2,929 Forumite
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    Dandytf wrote: »
    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.
    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 :money:
  • Dandytf
    Dandytf Posts: 4,820 Forumite
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    nic_c wrote: »
    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 :money:

    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.
    Replenished CRA Reports.2020 Nissan Leaf 128-149 miles top charge. Savings depleted. VM Stream tv M250 Volted to M350 then M500 since returned to 1gb
  • DCFC79
    DCFC79 Posts: 40,598 Forumite
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    Dandytf wrote: »
    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.

    I was told by a mortgage broker the main agency that's used by banks is Experian.
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