We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide

Lifetime Ban from Equifax

2»

Comments

  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
    !!! wrote: »
    Why a SAR - you can request your statutory report for free from the website.

    Or just go to ClearScore as others have said already.

    Will probably give much more detailed information. Stuff like current account turnover and any data in their marketing databases.
  • Willing2Learn
    Willing2Learn Posts: 6,294 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    johnsmith1890 wrote: »
    Hit them with a SAR on a regular basis. It will cost you nothing, but will cost them time and effort. And it will probably deliver much more detail than a standard credit report.
    You just hate all finance companies...and besides...requesting a SAR will not get any extra useful data...
    I work within the voluntary sector, supporting vulnerable people to rebuild their lives.

    I love my job

    :smiley:
  • NaughtiusMaximus
    NaughtiusMaximus Posts: 2,839 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    edited 24 May 2019 at 2:10PM
    willste01 wrote: »
    I do have Clear Score was not aware it was the same

    [STRIKE]It's not.

    When I was still on a DMP about 3 years ago I registered for all 3, one account was visible on both Experian and Equifax but not listed at all on Clear Score.[/STRIKE]

    EDIT - Ignore me I'm talking out of my ****. I still have the screenshots I took at the time and on checking them it's apparent I was getting Noddle confused with clear score :embarasse
  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
    Willing2Learn wrote: »
    You just hate all finance companies...and besides...requesting a SAR will not get any extra useful data...


    See post #12. Your typical CRA has much more info about you than appears in credit files.
  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
    johnsmith1890 wrote: »
    See post #12. Your typical CRA has much more info about you than appears in credit files.

    Stuff that’s not needed then
  • CakeCrusader
    CakeCrusader Posts: 1,118 Forumite
    Part of the Furniture Combo Breaker
    Where in the letter does it say that they have given you a 'lifetime ban'? It just says they have revoked your access, not how long for.
  • Ben8282
    Ben8282 Posts: 4,821 Forumite
    1,000 Posts Combo Breaker Newshound!
    CakeCrusader wrote: »
    Where in the letter does it say that they have given you a 'lifetime ban'? It just says they have revoked your access, not how long for.
    Exactly.
    Have you actually tried to sign up for a NEW account rather than resetting your password for the old one?
  • CakeCrusader
    CakeCrusader Posts: 1,118 Forumite
    Part of the Furniture Combo Breaker
    Ben8282 wrote: »
    Exactly.
    Have you actually tried to sign up for a NEW account rather than resetting your password for the old one?


    Or pay with a different payment method?
  • Kentish_Dave
    Kentish_Dave Posts: 842 Forumite
    willste01 wrote: »
    I do have Clear Score was not aware it was the same just my Mortgage broker asked for a copy of one from Equifax. Thanks for the info guys.


    What a horrible business model lifetime banning people for a payment cancellation lol.
    How so? It seems like pretty good business practice to me, why give someone a second chance to have you over?
This discussion has been closed.
★ ★ ★ Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 353.6K Banking & Borrowing
  • 254.2K Reduce Debt & Boost Income
  • 455.1K Spending & Discounts
  • 246.7K Work, Benefits & Business
  • 603.2K Mortgages, Homes & Bills
  • 178.1K Life & Family
  • 260.7K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.
Update Your Picture