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Help trying to access credit report
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jdwx
Posts: 17 Forumite
Hi i'm hoping someone can shed some light on this-
I've been trying to access my credit report from a few different companies. I have tried;
Equifax
Experian
Noddle
& none of the companies can verify my identity but I don't know why.
I've recently applied and been accepted for my first credit card and although it was with my current account bank I also had to go in branch and verify my identity with them.
I've searched myself on 192.com :rotfl: (who I believe get their data from electoral roll) and it states I am 44-49 years old ( 20+ years out!) despite me always ensuring I fill in & return electoral roll details when we get them through post. [don't know if this has anything to do with it]
So basically - does anyone have any suggestions as to why this keeps happening?
I've been trying to access my credit report from a few different companies. I have tried;
Equifax
Experian
Noddle
& none of the companies can verify my identity but I don't know why.
I've recently applied and been accepted for my first credit card and although it was with my current account bank I also had to go in branch and verify my identity with them.
I've searched myself on 192.com :rotfl: (who I believe get their data from electoral roll) and it states I am 44-49 years old ( 20+ years out!) despite me always ensuring I fill in & return electoral roll details when we get them through post. [don't know if this has anything to do with it]
So basically - does anyone have any suggestions as to why this keeps happening?

0
Comments
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I'd guess it's your address causing a problem is it a flat or called a name? Check what address layout the post office have for you. If you had an existing current account for a period of time and are on the electoral roll there must be something for you somewhere.0
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No its just House number, road, area, city postcode. All post comes addressed that way. Address I use matches royal mail postcode checker.
Been at address 3 years with current account open during that time :think:0 -
Have you tried requesting a postal version of your credit file from any/all of the 3 agencies?
That is usually the option for someone struggling to get though the online verification.
These problems usually stem from one or more of not being on the electoral roll/ address mismatch/brand new address (i.e. a new build house)/ not having any credit accounts at the current address.
192 gets its data from a variety of sources I believe.A smile enriches those who receive without making poorer those who giveor "It costs nowt to be nice"0 -
Have you tried requesting a postal version of your credit file from any/all of the 3 agencies?
No I haven't, I didn't realise that would make a difference so I will try it, thanks.
These problems usually stem from one or more of not being on the electoral roll/ address mismatch/brand new address (i.e. a new build house)/ not having any credit accounts at the current address.
I am on electoral roll & have lived here almost 4 years although I have only very recently got a credit card so that could be the issue. I'l wait a while for records to be updated to show I have a credit card here (if thats how it works!)
Thanks0
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