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  • FIRST POST
    • MSE Luke
    • By MSE Luke 23rd Feb 17, 5:14 PM
    • 212Posts
    • 51Thanks
    MSE Luke
    MSE News: New totally free way to get your Experian Credit Report
    • #1
    • 23rd Feb 17, 5:14 PM
    MSE News: New totally free way to get your Experian Credit Report 23rd Feb 17 at 5:14 PM
    It's your financial CV. You need to see what it says about you. If wrong it can kill cheap mortgages, mobiles & more...
    Read the full story:
    'New totally free way to get your Experian Credit Report'

    Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it all works, read our New to Forum? Intro Guide.
    Last edited by MSE Luke; 23-02-2017 at 5:17 PM.
Page 3
    • vickk
    • By vickk 16th Mar 17, 12:02 PM
    • 65 Posts
    • 9 Thanks
    vickk
    Hi, I have a couple of questions regarding the club if someone can help.

    My wife and I live together and I am retired early on a company pension and my wife is retired on the state pension. Is it correct then that I have put 1 dependent living with me or should that be 0 as she has her own pension?

    My loan rating is listed as weak, mainly because my total income is around 28K and outstanding credit is around 16K mainly due to a car pcp. However does the fact that I have savings and the ability to pay of the loan at any time not come into this, or do savings not count?
    • MSE Dan L
    • By MSE Dan L 16th Mar 17, 1:37 PM
    • 572 Posts
    • 345 Thanks
    MSE Dan L
    Getting my score and report all OK.

    Two comments

    1. Is it possible to get the monthly score and monthly report updated on the same date ?

    2. The formatting/layout of the report is poor.
    Originally posted by molerat
    Hi Molerat

    Thanks for your questions.

    1) We're looking at how this might work in the future, but for now the two aren't aligned (unless you skip a month and then only load your next report on the same day that you get emailed that your score has updated).

    2) This is something which we're working on with Experian to improve and add more clarity on.
    • RedDwarf82
    • By RedDwarf82 17th Mar 17, 8:33 AM
    • 121 Posts
    • 59 Thanks
    RedDwarf82
    I'm also wondering if such minor mismatches lead to 1000s of people being refused loans or credit! It seems like this system which can dictate people's lives is totally fraught with incompetencies.
    Originally posted by tomc22
    I have been arguing about that for a long time. The "to avoid fraud", "for your security", etc. excuses to keep it all secret mean nobody is actually checking how well this is working.
    When you apply for credit the lender requests what's basically a credit report to the CRA. IMHO, ***by law*** every time you apply for credit the lender should do the job MSE Credit Club is doing right now and show you a credit report generated by them based on the information received from the CRA, so you could verify they are assessing you based on the right information.

    It would be good for people applying for credit.
    It would be good for lenders.
    It would not be good for the CRAs.
    • debtfreehorizon
    • By debtfreehorizon 17th Mar 17, 11:14 AM
    • 41 Posts
    • 4 Thanks
    debtfreehorizon
    I checked mine this week and all of my dad's credit accounts are showing in my report. He has the same name but obviously his DOB (which shows on the report) is 30+ years before mine.

    I've raised this to Experian.

    As others have asked - will this impact my ability to apply for credit?
    • molerat
    • By molerat 17th Mar 17, 12:00 PM
    • 15,849 Posts
    • 10,062 Thanks
    molerat
    Possibly if he has a lot outstanding.
    www.helpforheroes.org.uk/donations.html
    • MSE Dan L
    • By MSE Dan L 17th Mar 17, 12:52 PM
    • 572 Posts
    • 345 Thanks
    MSE Dan L
    I've raised this to Experian.
    Originally posted by debtfreehorizon
    Good to hear that you've raised this, the team at Experian should be able to take this forward for you.

    BUt If you wouldn't mind sending us your report ID to creditclub@moneysavingexpert.com we'd like to ask Experian to take a look at this from a tech point of view too.

    Thanks
    • debtfreehorizon
    • By debtfreehorizon 17th Mar 17, 12:56 PM
    • 41 Posts
    • 4 Thanks
    debtfreehorizon
    Good to hear that you've raised this, the team at Experian should be able to take this forward for you.

    BUt If you wouldn't mind sending us your report ID to creditclub@moneysavingexpert.com we'd like to ask Experian to take a look at this from a tech point of view too.

    Thanks
    Originally posted by MSE Dan L
    Thanks Dan - will do. Is that just the Reference No at the top of the page?
    • CharlotteElizabeth
    • By CharlotteElizabeth 17th Mar 17, 3:06 PM
    • 12 Posts
    • 0 Thanks
    CharlotteElizabeth
    I have just checked my Experian score with MSE and it is showing 731 whereas if I log into the Experian website it shows 691 - which one is correct?
    • MSE Dan L
    • By MSE Dan L 17th Mar 17, 3:19 PM
    • 572 Posts
    • 345 Thanks
    MSE Dan L
    Thanks Dan - will do. Is that just the Reference No at the top of the page?
    Originally posted by debtfreehorizon
    Yes that's the one.
    • MSE Dan L
    • By MSE Dan L 17th Mar 17, 3:21 PM
    • 572 Posts
    • 345 Thanks
    MSE Dan L
    I have just checked my Experian score with MSE and it is showing 731 whereas if I log into the Experian website it shows 691 - which one is correct?
    Originally posted by CharlotteElizabeth
    Hi CharlotteElizabeth

    There are a few reasons why your score can differ between Credit Club and Experian's site.

    The most common one is around timing. Credit Club only updates every 30 days, whereas Experian's will update daily.

    However there are a few other reasons why you might see a difference. The most common being a matching issue (sometimes linked to your address), which might mean that there are accounts missing on one of the services. The easiest way to check this is by going through your credit report.

    I hope this helps.
    • Elfinpie
    • By Elfinpie 17th Mar 17, 6:51 PM
    • 17 Posts
    • 0 Thanks
    Elfinpie
    Hi,

    I could be being really dim here but how on earth do you add your maiden/previous married surnames? I've tried twice to register and I've only been given the option to enter my current (married) name. This then results in accounts being missed off the report. How can I correct this?

    Thanks
    • tomc22
    • By tomc22 23rd Mar 17, 12:20 PM
    • 2 Posts
    • 1 Thanks
    tomc22
    Hi MSE,

    Would you be able to change the address section to allow people to type in the fields rather than choose from a list? I'm sure this is the reason I keep failing the Experian identification process.

    I've successfully applied for an Experian report by paying them £2 and I'm using the same details. However, the address you have for me doesn't quite match what they have and there is no way to edit yours - I have to pick it from a fixed list.

    Thanks for offering this great service.
    • MSE Dan L
    • By MSE Dan L 23rd Mar 17, 12:54 PM
    • 572 Posts
    • 345 Thanks
    MSE Dan L
    Hi,

    I could be being really dim here but how on earth do you add your maiden/previous married surnames? I've tried twice to register and I've only been given the option to enter my current (married) name. This then results in accounts being missed off the report. How can I correct this?

    Thanks
    Originally posted by Elfinpie
    Hi Elfinpie

    Right now, we don't have an option to add your maiden name/previous names when registering. The theory is that these should automatically get matched to your profile, but we're aware that this doesn't always happen.

    If you follow the process of raising a query using the 'need more help' button within your Credit Report, Experian will be able to help you by adding an alias to resolve this.
    • MSE Dan L
    • By MSE Dan L 23rd Mar 17, 12:58 PM
    • 572 Posts
    • 345 Thanks
    MSE Dan L
    Hi MSE,

    Would you be able to change the address section to allow people to type in the fields rather than choose from a list? I'm sure this is the reason I keep failing the Experian identification process.
    Originally posted by tomc22
    Hi TomC22

    Thanks for your suggestion. For the moment our team is focusing on ensuring we've got the full range of UK addresses listed for you. Would you be able to check if the address we have for you matches the Royal Mail data?
    http://www.royalmail.com/find-a-postcode

    If so, then the problem perhaps lies with Experian's data on your addresses (possibly coming from your lenders) not being quite right. We're working with Experian to look for solutions for these types of issues. But if the MSE lookup doesn't match Royal Mail, do let us know (by emailing creditclub@moneysavingexpert.com) and we'll follow up.
    • quickstepqueen
    • By quickstepqueen 23rd Mar 17, 6:17 PM
    • 484 Posts
    • 359 Thanks
    quickstepqueen
    If you had a long standing unpaid debt for example, can that company see that you've accessed that report? I know someone that would benefit from accessing their credit report but I think they're worried that if they did the companies they owe money to would start getting involved. Can anyone help me so I can put their mind at rest. TIA.
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