Check My Credit File..?

Samsung_Note2

Just seen an advert on TV for this company...whilst ive no interest in giving them £14.99 a month,what im curious about is they state See your data* from 4 Credit Reference Agencies, not just 1.

So who is the fourth CRA...??

Looked for the * on there site and couldn't find any reference to that.

[Deleted User]

Crediva.

http://www.crediva.co.uk/frequently-asked-questions/

Samsung_Note2

How come no mentions them...always thought there was three CRA"s.

Or are they just a rehash like Noddle etc.

[Deleted User]

They're separate, but I've never known a lender who uses them.

Dandytf

Samsung_Note2 wrote: »

Just seen an advert on TV for this company...whilst ive no interest in giving them £14.99 a month,what im curious about is they state See your data* from 4 Credit Reference Agencies, not just 1.

So who is the fourth CRA...??

Looked for the * on there site and couldn't find any reference to that.

I subscribe to checkmyfile who are currently helping me remove an innacurate 2nd default against one debt.
Took a few years for me to pay for cra checks, though checkmyfile are excellent and upto date with advice when required.

PixelPound

Dandytf wrote: »

I subscribe to checkmyfile who are currently helping me remove an innacurate 2nd default against one debt.
Took a few years for me to pay for cra checks, though checkmyfile are excellent and upto date with advice when required.

I use the free services of Noddle, Clearscore, and MSE CC to get full reports free each month. Paying a monthly subscription for access and advice that could be got free doesn't seem very :money:

Dandytf

nic_c wrote: »

I use the free services of Noddle, Clearscore, and MSE CC to get full reports free each month. Paying a monthly subscription for access and advice that could be got free doesn't seem very :money:

Yeah I use those as well.
Noodle +clearscore seem slow in comparison taking longer to update.
Mse club uses experian-what happened to experian whom I used for a few years, has there been a shift from experian for cra reporting.

DCFC79

Dandytf wrote: »

Yeah I use those as well.
Noodle +clearscore seem slow in comparison taking longer to update.
Mse club uses experian-what happened to experian whom I used for a few years, has there been a shift from experian for cra reporting.

I was told by a mortgage broker the main agency that's used by banks is Experian.