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  • FIRST POST
    • MSE Steve
    • By MSE Steve 8th Sep 16, 6:40 PM
    • 33Posts
    • 16Thanks
    MSE Steve
    MSE News: MSE launches free Credit Club
    • #1
    • 8th Sep 16, 6:40 PM
    MSE News: MSE launches free Credit Club 8th Sep 16 at 6:40 PM
    MoneySavingExpert.com has today launched its brand-new Credit Club - a totally free way to check your credit score, whether you're likely to be accepted for credit in the real world and how to boost your chances....
    Read the full story:
    'MSE launches free Credit Club'

    Click reply below to discuss. If you havenít already, join the forum to reply. If you arenít sure how it all works, read our New to Forum? Intro Guide.
Page 5
    • takman
    • By takman 17th Sep 16, 10:19 PM
    • 1,310 Posts
    • 991 Thanks
    takman
    Is there any real need to join the Credit Club?

    I have no real need to know my credit reference score. It may be good or it may be bad. Suffice to say I have never been rejected for a credit card.

    It just sounds like a money making scheme for MSE.
    Originally posted by baldeagle09
    If that's true then it's a very poor scheme considering its costing them money to run and they won't be making a profit for a long time, if ever.

    The real value in joining the club is when they will soon be offering full access to your experian credit report for free. This means you can access all three for free and regularly check them.
    • Biggles
    • By Biggles 18th Sep 16, 5:17 PM
    • 6,797 Posts
    • 4,237 Thanks
    Biggles
    I joined when it first started and, for no particular reason, just tried to log in and was told it 'hadn't verified my email'.

    It said it had sent me a verification email but none has arrived, despite me requesting a re-send several times.

    Is it broken, or does it take weekends off?
  • jamesd
    Could be, but report compared to the other reports is what it says. I suppose we'll just have to wait and see if it's the report or just the score.
    Originally posted by jamesd
    No sign of that showing up so the report seems to have been wrong. Just the CreditMatcher announcement about the free score.
    • MSE Chris
    • By MSE Chris 19th Sep 16, 5:08 PM
    • 4 Posts
    • 1 Thanks
    MSE Chris
    I joined when it first started and, for no particular reason, just tried to log in and was told it 'hadn't verified my email'.

    It said it had sent me a verification email but none has arrived, despite me requesting a re-send several times.

    Is it broken, or does it take weekends off?
    Originally posted by Biggles
    We're working on a fix for this as we've had users report not receiving the verification email for custom domains/work email address and specific email addresses (@talktalk, @GMX etc). We hope to get this fixed this week!

    Apologies for the error on our part!
    • BootstrappistMonk
    • By BootstrappistMonk 21st Sep 16, 10:28 PM
    • 2 Posts
    • 0 Thanks
    BootstrappistMonk
    Email came through OK for me, but after at least a week I'm still getting

    "Verification Pending

    We need to do some further checks

    Thank you for your application to Credit Club, we need to do some further checks to confirm your identity. This helps to ensure the security of your personal information.

    These checks will usually be complete within 2 working days, so please come back to review the outcome of your application."

    Is this something I can encourage along in any way, or a system issue, or anything that may be reported?

    (email address for that account is the same I used to register here, if that's helpful)

    Thanks
    Last edited by BootstrappistMonk; 21-09-2016 at 10:28 PM. Reason: providing additional info
    • afly
    • By afly 22nd Sep 16, 9:40 AM
    • 94 Posts
    • 51 Thanks
    afly
    Email came through OK for me, but after at least a week I'm still getting

    "Verification Pending

    We need to do some further checks

    Thank you for your application to Credit Club, we need to do some further checks to confirm your identity. This helps to ensure the security of your personal information.

    These checks will usually be complete within 2 working days, so please come back to review the outcome of your application."

    Is this something I can encourage along in any way, or a system issue, or anything that may be reported?

    (email address for that account is the same I used to register here, if that's helpful)

    Thanks
    Originally posted by BootstrappistMonk
    I received the same when I signed up. It says 2 working days but what it seem to mean is that you are SOL for using this service
    • MSE Chris
    • By MSE Chris 22nd Sep 16, 4:09 PM
    • 4 Posts
    • 1 Thanks
    MSE Chris
    Email came through OK for me, but after at least a week I'm still getting

    "Verification Pending

    We need to do some further checks

    Thank you for your application to Credit Club, we need to do some further checks to confirm your identity. This helps to ensure the security of your personal information.

    These checks will usually be complete within 2 working days, so please come back to review the outcome of your application."

    Is this something I can encourage along in any way, or a system issue, or anything that may be reported?

    (email address for that account is the same I used to register here, if that's helpful)

    Thanks
    Originally posted by BootstrappistMonk
    Hey,

    This one is taking us slightly longer to figure out I'm afraid. We're working with Experian who are looking into it for us but we will be emailing all users affected once it's been resolved.

    Apologies in the meantime.
    • applecore
    • By applecore 26th Sep 16, 10:52 PM
    • 21 Posts
    • 5 Thanks
    applecore
    Hi,

    I tried to register for this just so that I could use it to help improve my Credit Score. However, no matter what I do, I continue to get the same error message.

    I have closed my Credit Club account and reopened it going through the same process. I have also received the verification emails etc.



    Any suggestions?
    • weeloudawg
    • By weeloudawg 27th Sep 16, 8:45 AM
    • 14 Posts
    • 0 Thanks
    weeloudawg
    What a shame there holding wrong information about my address. Really I thought MSE would have checked first before listing address. But no. It seems they grab data from Royal Mail.

    Another company that does not list my correct address thanks to royal mail.
    • molerat
    • By molerat 27th Sep 16, 8:51 AM
    • 14,635 Posts
    • 9,016 Thanks
    molerat
    What a shame there holding wrong information about my address. Really I thought MSE would have checked first before listing address. But no. It seems they grab data from Royal Mail.

    Another company that does not list my correct address thanks to royal mail.
    Originally posted by weeloudawg
    Firstly this has very little to do with MSE, they just use the information supplied by Experian.

    How have they got your address wrong ? What have you done to get it corrected ? How does it differ from that on your council tax bill ? Addresses held on the Royal Mail database are usually obtained from the local council.
    www.helpforheroes.org.uk/donations.html
    • weeloudawg
    • By weeloudawg 27th Sep 16, 9:07 AM
    • 14 Posts
    • 0 Thanks
    weeloudawg
    Royal mail are using made up flat numbers. The address listed on the council tax bill is completely different.

    I have tried contacting RM many occasions and they simply refuse to renumber the whole flat at my request. No one else gives two !!!!s in my flat. For the address you have listed for me my post always ends up in someone elses door and not mine. Even the postmans confused. We all have door numbers PROVIDED BY THE COUNCIL when the new doors got installed. Which state the correct numbers. Not the information you guys have.

    Previous suggestions was complain to the ICO, but would that even work? Like you said, you passed the buck straight to experian, who will then do the same to royal mail.......
    • Chelseafan237
    • By Chelseafan237 27th Sep 16, 9:07 AM
    • 45 Posts
    • 14 Thanks
    Chelseafan237
    One thing I cant understand is, why does Martin Lewis push people to change their current account, when having a current account for a long time with positive activity is helpful towards a positive credit score? Being told conflicting things here? I know he has to make a living and push products that pay him commission well but what is really best for the customer as this is a conflicting message?
    • molerat
    • By molerat 27th Sep 16, 9:39 AM
    • 14,635 Posts
    • 9,016 Thanks
    molerat
    Royal mail are using made up flat numbers. The address listed on the council tax bill is completely different.

    I have tried contacting RM many occasions and they simply refuse to renumber the whole flat at my request. No one else gives two !!!!s in my flat. For the address you have listed for me my post always ends up in someone elses door and not mine. Even the postmans confused. We all have door numbers PROVIDED BY THE COUNCIL when the new doors got installed. Which state the correct numbers. Not the information you guys have.

    Previous suggestions was complain to the ICO, but would that even work? Like you said, you passed the buck straight to experian, who will then do the same to royal mail.......
    Originally posted by weeloudawg
    Have you followed the correct procedure http://www.royalmail.com/personal/receiving-mail/update-your-address

    The PAF code of practice states that they will use the details provided by the council and you could complain through the council.
    www.helpforheroes.org.uk/donations.html
    • weeloudawg
    • By weeloudawg 27th Sep 16, 9:49 AM
    • 14 Posts
    • 0 Thanks
    weeloudawg
    Twice I have used that. When I just moved in and recently. It never got me anywhere. TBH I have just gave up. My Utility company and bank have seen sense anyway. Virgin Media are still being idiots about it.
    • takman
    • By takman 27th Sep 16, 9:54 AM
    • 1,310 Posts
    • 991 Thanks
    takman
    One thing I cant understand is, why does Martin Lewis push people to change their current account, when having a current account for a long time with positive activity is helpful towards a positive credit score? Being told conflicting things here? I know he has to make a living and push products that pay him commission well but what is really best for the customer as this is a conflicting message?
    Originally posted by Chelseafan237
    Well if you read the credit section on this forum you will see that your "credit score" doesn't really mean much to lenders. What actually matters is your credit history and if you have a decent credit history changing your main current account won't have much of an effect. Plus getting a £150 bonus is much better than any negative effect that it may have!.
    You also don't have to switch your main account, you can open a second account and switch that to get the bonus. Then when you do this multiple times a year and also open other current accounts to get the best interest rates your getting thousands of pounds a year in bonuses and interest!.

    So is staying with one current account so your guaranteed to have a good "credit score" worth the thousands of pounds your loosing out on?. That's why he tells people to switch!.
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