Clearscore Questions question 30 October 2018 at 1:18PM in Credit file & ratings 7 replies 670 views

Cairez

After trying to register with MSE's Credit Club and it not finding me (I don't know why)
I registered with Clearscore and they found my details no problem. However, there were a couple of questions they asked that I got a bit worried about. It asked about addresses and mobile phone contracts etc that I had and to verify which ones were correct, but one question said I had opened a store card on March 2016 but I have never opened a store card anywhere! Was this just a way to find out if I was really me or is there a chance a store card has been opened under my name somewhere?

There weren't any bad things on my account once I was in, just recommendations to get a credit card, etc so I don't know what to think.

Willing2Learn

Hi,

The questions you were asked were for identity verification purposes, so is nothing to be worried about. As long as a store card is not listed as one of your credit accounts, then everything should be ok.

It would be good practice to double-check against the data held by the other two CRAs.

Cairez

Willing2Learn wrote: »

Hi,

The questions you were asked were for identity verification purposes, so is nothing to be worried about. As long as a store card is not listed as one of your credit accounts, then everything should be ok.

It would be good practice to double-check against the data held by the other two CRAs.

Cool, how do I see my credit accounts and what are the other two CRA's?

[Deleted User]

Equifax - Clearscore
Experian - MSE Credit Club
CallCredit/TransUnion - Noddle

Cairez

Cheers - Equifax asked if I had a mortgage account opened in 2004, that would've been good as I was 11!

Willing2Learn

Cairez wrote: »

Cool, how do I see my credit accounts and what are the other two CRA's?

When you login to ClearScore you want on the top menu to click on: Report > Accounts
Then scroll down to see a list of all your credit accounts reported to Equifax (ClearScore)

The other two CRAs are TransUnion (ex CallCredit) and Experian.
You can see your TransUnion report by registering with noddle.co.uk

You can see your Experian report by requesting a free statutory report
https://www.experian.co.uk/consumer/statutory-report.html


Edit: I'm too slow typing and Gary beat me to it

Cairez

Seems like everything's okay with my accounts and no dodgy stuff is going on - I've got an average/just above average credit score so I just need to work on improving that I think

zx81

Cairez wrote: »

I've got an average/just above average credit score so I just need to work on improving that I think

You don't.

You just need to work on building your credit history. Regular use of a credit card, clearing in full each month. Ignore anything the score does.