tax credits new security pilot scheme???

a11waysindebt

If details are not up to date on the experian site what happens then. People would have to update them ?

LizzieS_2

a11waysindebt wrote: »

If details are not up to date on the experian site what happens then. People would have to update them ?

TCO will only have a copy of a record containing what they expect to see - your current name & address. Data is always incorrect as it is not 100% current (eg my cc showed a balance that I related to 2 months ago, not now), updates to that type of information can only be done by the parties who submit that data (eg your bank).

a11waysindebt

So they are doing a security check on data that is incorrect. Whos idea was this Micky Mouse.

[Deleted User]

HMRC have been using Experian for years for other lines of business. Don't expect to see the new security being rolled out for quite some time anyway. It hasn't been a great success so far as the system to set up the password is quite long. It has been known to take 20 minutes to set up if the system is on a go slow.

System

We all already know that when you apply for credit, mortgages, bank accounts etc that the financial institution checks with Experian to see what your credit score is. I'm not sure what level of access they get ie if they can see the exact details of loans, overdrafts etc you have had in the past of if they are just told the score. I know that when I work for one of those financial institutions some years ago and someone was applying for a loan with me that the computer system did the scoring and I never got to see the applicants credit file myself.

When I was initially told about the new security measures some months ago I understood that HMRC would be asking customers for permission to access their Experian file so as to have more exact questions to ask. I fundamentally disagree with that idea. That is way too much access to my private business and I say that as both a taxpayer and HMRC employee.

OrkneyStar

subsoniccoyote wrote: »

If the new security process is rolled out you will have to provide the details in order to set up your password. If you don't you will have to make an appointment at an enquiry centre to prove your identity before you get a password set up. I don't see why you wont provide the information, they have Experian in front of them with your details so its not as though they aren't going to know the correct answer.

Note: the security process may be altered at any time so the info I have provided may not be accurate in the future but this is the current expected process if the security pilot is succesful.

I would have no problem doing the security thing (only if I called them though ), but just for the record if someone from an island (say Orkney) refused to do it over the phone how would they get round that (being as we don't have an enquiry centre here!).

System

OrkneyStar wrote: »

I would have no problem doing the security thing (only if I called them though ), but just for the record if someone from an island (say Orkney) refused to do it over the phone how would they get round that (being as we don't have an enquiry centre here!).

At the moment I don't think there would be any other option other than by phone. If you don't call them you won't set it up. They aren't geared up for setting this up online yet as far as I'm aware and I can't believe that they would be so stupid to expect people to set up that sort of security by cold calling them.

You can set up what they call "shared secrets" and still refuse to give consent for them to access Experian. That's what I would do personally.

One thing though if you call TCO and fail security currently then procedure is such that they will not discuss your case with them. This is for your protection. If you haven't set up shared secrets, and given them extra personal questions which they can ask you, and don't have a local Enquiry Centre your only other alternative is to correspond in writing.

a11waysindebt

So if George Agdgdgwngo calls who claims to be from the tco, don't give out any details.:rotfl::rotfl:

System

a11waysindebt wrote: »

So if George Agdgdgwngo calls who claims to be from the tco, don't give out any details.:rotfl::rotfl:

I would say so yup

mumof2lovelychildren

I renewed my tax credits back in July but was only asked to confirm the usual details such as name, dob, ni number and salary details....is this just very recent that they have been asking questions about your credit file??