Experian i hate you

Experian_company_representative

Hi Stepp,

I understand that it is frustrating that you have not been able to get instant access to your report, and I’m sorry to hear of the problems this has caused you.

When you make an application we perform a number of checks to confirm your identity, this is to ensure that only you have access to your information.

In some cases we do send a PIN to the applicants address to ensure that only they can access the information, and we sometimes need to ask for further documentation to ensure that the application is genuine.

Sadly fraudulent applications are on the increase and we do need to make sure your information is protected.

We ask that you supply your current address when you sign up for CreditExpert so that should we need to send a PIN it should have no difficulty in reaching you, and it also increases the likely hood that you will get instant access, if we can match your information to the address.

Both the statutory paper reports we send and PINs are marked as “Do Not Re-Direct” this is again to prevent fraudulent applications. If you are not living at the address you have applied from I would ask that you contact our customer service on 0800 013 8888 or 0344 481 0800 so we can help you with updating the address, as I do want to make sure that you get access.

Kind Regards
Neil

Quimoi

Cynically you might also think that Experian just wants to update your address on their records to improve their monthly feeds to banks/debt collectors/etc. who, of course, they also charge.

sniggings

stepp wrote: »

Well thats not what they told me and thats not what the website says so im not sure where you got that from.

Thanks for the reply anyways

Not sure why they have to send it to your old address anyway, I have just moved and they had no issue sending the pin to my new address.

Maybe there's another issue? is the payment card you used still registered to your old address? that's the only reason I would think they would insist on sending it there.

stepp

Experian_company_representative wrote: »

Hi Stepp,

I understand that it is frustrating that you have not been able to get instant access to your report, and I’m sorry to hear of the problems this has caused you.

When you make an application we perform a number of checks to confirm your identity, this is to ensure that only you have access to your information.

In some cases we do send a PIN to the applicants address to ensure that only they can access the information, and we sometimes need to ask for further documentation to ensure that the application is genuine.

Sadly fraudulent applications are on the increase and we do need to make sure your information is protected.

We ask that you supply your current address when you sign up for CreditExpert so that should we need to send a PIN it should have no difficulty in reaching you, and it also increases the likely hood that you will get instant access, if we can match your information to the address.

Both the statutory paper reports we send and PINs are marked as “Do Not Re-Direct” this is again to prevent fraudulent applications. If you are not living at the address you have applied from I would ask that you contact our customer service on 0800 013 8888 or 0344 481 0800 so we can help you with updating the address, as I do want to make sure that you get access.

Kind Regards
Neil

I did ring and ask to have it sent to my current address ( my parents ) and was told I cannot.

I was told to "redirect my mail" which i have and then i asked why it says that the redirected pin wont in fact be redirected....que 2 min wait to be told "oh yes your right it wont be redirected"

I have been to my old address today and no pin code.

It really does get on my nerves when the only thing holding me up from submitting an application for a new home is your silly pin codes.....I can fully understand fraud and I can sort of understand that it gets sent to my old address but that in itself it silly because i don't live there and anyone could open it.



I will ring tomorrow although im not holding out much hope that anyone will be helpful.

nicholaswitchell

stepp wrote: »

I will ring tomorrow although im not holding out much hope that anyone will be helpful.

I'd say you've got pretty much no chance that the Saturday staff will be either helpful, or for that matter, knowledgeable.