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please stop using the wrong database for credit checking
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This is an MSE invented problem.
It goes like this, I live in a flat in a house which can be represented as
123A Street
Flat A, 123 Street
get the idea?
MSE have chosen to use the PAF date picker which is *not* the appropriate address DB for credit checking. Credit checking is about a *PERSON* not a delivery point <-- technical term if you know what the PAF is for.
MSE recognises my delivery point (in broad terms a post code plus a bit) but not me or anyone else beyond the delivery point. This would be fine if I wanted land mail from them but is plain wrong for credit checking.
My correspondence with Experian suggests this wasn't their idea and that it is MSE that chose to use the wrong db.
It took a bit of persuasion but eventually Experian and my council and the Electoral Register all agreed.
Who is wrong? MSE
Why? bad db
We've established you have a problem with MSE Credit Club and the information held by Experian, when I advised you in the other post back in January, to go and check the details held with the other CRAs (Clearscore being the one with Equifax data and Noddle being the other with Call Credits data), what results did they give you. If they are correct and Experian is wrong, you know your issue is with Experian. If they are all incorrect then that narrows it down to being the ER details being sent by the local council are inaccurate.
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To whom at MSE have you spoken about this ?
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I am getting sick of this. Experian corrected their DB to match me against the Electoral Role. Experian have said that MSE must correct the DB they use for referrals.
In private correspondence MSE say words along the lines of "we'll think about this".
Experian aren't to blame here. The council aren't to blame.
MSE have messed up.
to be clear MSE is using the wrong DB and in private they admit it.
But that is no use if you're the person that just got refused credit and didn't have the additional knowledge to check if the credit reference agencies were being passed the correct credit reference address by MSE
I was able to work it out.
Theoretically MSE is for good lenders not bad but this flies in the face of that.
I can give an e-mail address at MSE but it wouldn't identify the individual
if you have the trust of MSE themselves then let me know, I can give you some names inside but I don't think they're going to show in this thread
In Experian's (Experian being the people doing the credit check behind MSE Credit Club) case we worked this through, my details were correct with them *until* I signed up for MSE Credit Club.
Equifax weren't affected, I checked with them too.
Really ironic!