How "instant" is Experian.

Leighthal

Feanor wrote: »

Sorry to hijack slightly, but i recently got my experian report and i keep reading that people are saying 'i scored 674 with experian' etc etc..

Nowhere on my report does it says a particular score. Am i missing something? where does everyone get this figure from??

Me too

MortgageMamma

there is a difference. your credit report is sold seperately from your credit score. Your credit score is usually instant and costs an extra fiver or so...

Warriorsith

In relation to the Score you must note that each company has it's own way of scoring and so to a piont that the score given by CRA may be irrelevant, more of a guidance of how your 'rating' maybe. It's good too for them to make some extra cash.

If your Credit history is good, make payments on time and you haven't applied for loads of credit, or recently moved, then you'll have a good rating.

If your poor at repaying credit you have and have applied for loads of credit but got rejected then your rating will be lower.

Try too, to have only 5/6 credit accounts on your file as more than that then companies think you wont be able to cope.

kydon

I got an email today from experian asking for:

Two forms of original documentation linking you to your current address (e.g. utility bill, bank statement, solicitor's letter) dated within the past three months

Why is this? I am on electoral register for my current address but also from my previous one! The only reason I am thinking is because I am not a UK nationa but EU!

Did anyone had the same issue?

Thanks

Debt_Free_Chick

kydon wrote: »

I got an email today from experian asking for:

Two forms of original documentation linking you to your current address (e.g. utility bill, bank statement, solicitor's letter) dated within the past three months

Why is this? I am on electoral register for my current address but also from my previous one! The only reason I am thinking is because I am not a UK nationa but EU!

Did anyone had the same issue?

Thanks

It's to prove that you are the person who is on the electoral roll. Otherwise, I could claim to be you by putting your name & address into Experian. However, only the person living at the property will have received the utility bills. It's for your protection :T

maveli

kydon wrote: »

Did anyone had the same issue?

Thanks

Yes I got the same issue and I made a complaint and they offered to refunnd the money I paid. But I was in need of the report and sent all the docs they asked. I got the report but they didn't send back the documents I sent. So be careful with the docs you sent and keep a copy of them.

Maveli

Experian_company_representative

The agencies' online services usually provide instant access, but it depends whether they can instantly confirm your identity based on the info on your credit report. If there's little information on your report, you've recently moved or there's a discrepancy on your report (wrong DOB etc) you will propbably be asked for documents just to be on the safe side. The information on your credit report would be very useful to crooks so the agencies have to be quite careful.