Co-operative bank - to registering for online banking one needs to do a Q&A from credit file and

davidg96

cymruchris said:

If you go into your CRA reports - and click on each of your current accounts - it will likely give you the opening dates there. Tally up what you see in your files with the question, and you'll find the answer. The data after all that it's using to ask you these questions comes from those files, so the answers must be there. 

some ppl on here will find what im about to say unbelievable but it's 100% true -

i've never seen my credit report(s) nor do i know how to go about doing it, never needed to or wanted to as i thought a long time ago that it was expensive.

How do i go about checking this CRA reports you talk about and what are they, i see in the Co-operative bank website window before the questions appear that the questions are from Experian and actually done by Experian?

davidg96

PRAISETHESUN said:

I second the above. Get copies of your credit reports and see what dates line up with account openings. Otherwise you can activate online banking by phoning them up - that's what I had to do when I opened my account

thanks for you help but as ive already said in reply to someone else -

i've never seen my credit report(s) nor do i know how to go about doing it, never needed to or wanted to as i thought a long time ago that it was expensive.

How do i go about checking this CRA reports you talk about and what are they, i see in the Co-operative bank website window before the questions appear that the questions are from Experian and actually done by Experian?

Also phoning them is just the same, as they will be asking me the same questions and will be waiting for me to answer it live and thats worse i think.

davidg96

cymruchris said:

And don't forget - in both Q1 AND Q2 - the answer CAN be 'none of the above'. It's designed to catch out those who are guessing. 

As I say - check your credit files - that's where the data for their questions has come from. Your answers have to match your data. 

thanks for your time - i have already tried 5 times and in some of those times ive also tried 'none of the above' but it still says incorrect etc

i also agree that the 3rd party Experian system used by Co-operative bank is getting those questions from somewhere but as i ave said to others in above responses - i've never seen or asked for or bought any credit report(s) before, as at one point one had to pay for it and i didnt want to pay for it.

Whats the best & quickest way and free if possible, way to get those credit files everyone's talking about?

MovingForwards

MSE credit club
Credit karma
Clearscore

All three provide free access to whichever one they work with eg TransUnion, Equifax and Experian

davidg96

MovingForwards said:

MSE credit club
Credit karma
Clearscore

All three provide free access to whichever one they work with eg TransUnion, Equifax and Experian

ok thanks, will google search and also search moneysavingexpert.com for them too and see what's in them before trying the credit check questioning again, as i'm sure there must be a limit to the amount of times one can fail the check before they close my account

Yorkshire_Pud

davidg96 said:

Yorkshire_Pud said:

Q2 must?! Be the initials of the person. If none say none.
Q1 you have time to make an informed decision but if the answer to 2 was no then you had five try’s at Q1 regardless and all wrong!? It’s not trickery just try and answer the questions. Maybe ask for another try.

I had a security alert on a TSB current account and got blocked so had to phone them and they asked me several questions from my credit file in real time, like who was your gas supplier in 2012, what current account did you open in 2013. Absolutely mad expecting me to know with all the times I’ve changed suppliers, accounts etc. So I feel your pain. They are idiots to use this method so do you want to bank with idiots?

i've tried using the 2 character initials closest to the person i live with and tried hard as to work out the bank account or account they are asking for including trying to say none for Q2 etc but what makes it worse, each time the ans choices are slightly different with some new ones and old ones that were in the list on the last try.

Also as you said whomever came up with this method to confirm someone's identity are truly idiots and need to be strung-up, as it's unfair and unrealistic to expect ppl to remember bank accounts opening month and year and other similar details after in some cases more than 10yrs!

I only said they are idiots I didn’t say they should be strung up and I think that would be a bad idea.
Why don’t you phone them up or visit a branch if there is one near you, let me guess there isn’t.
Maybe use their App with fingerprint recognition if you have a smartphone or iPad?

There must be a simple solution, so look past their silly Experian impossible to know the answers and make them help you. I always found them good on the phone. If you get a bad agent just phone again until you get a good one!

jjames1985

Yorkshire_Pud said:

davidg96 said:

Yorkshire_Pud said:

Q2 must?! Be the initials of the person. If none say none.
Q1 you have time to make an informed decision but if the answer to 2 was no then you had five try’s at Q1 regardless and all wrong!? It’s not trickery just try and answer the questions. Maybe ask for another try.

I had a security alert on a TSB current account and got blocked so had to phone them and they asked me several questions from my credit file in real time, like who was your gas supplier in 2012, what current account did you open in 2013. Absolutely mad expecting me to know with all the times I’ve changed suppliers, accounts etc. So I feel your pain. They are idiots to use this method so do you want to bank with idiots?

i've tried using the 2 character initials closest to the person i live with and tried hard as to work out the bank account or account they are asking for including trying to say none for Q2 etc but what makes it worse, each time the ans choices are slightly different with some new ones and old ones that were in the list on the last try.

Also as you said whomever came up with this method to confirm someone's identity are truly idiots and need to be strung-up, as it's unfair and unrealistic to expect ppl to remember bank accounts opening month and year and other similar details after in some cases more than 10yrs!

I only said they are idiots I didn’t say they should be strung up and I think that would be a bad idea.
Why don’t you phone them up or visit a branch if there is one near you, let me guess there isn’t.
Maybe use their App with fingerprint recognition if you have a smartphone or iPad?

There must be a simple solution, so look past their silly Experian impossible to know the answers and make them help you. I always found them good on the phone. If you get a bad agent just phone again until you get a good one!

How is knowing when you opened an account impossible?

A) It isn't
It is
C) Three times on a Wednesday
D) Only once
E) All of the above

davidg96

Yorkshire_Pud said:

davidg96 said:

Yorkshire_Pud said:

Q2 must?! Be the initials of the person. If none say none.
Q1 you have time to make an informed decision but if the answer to 2 was no then you had five try’s at Q1 regardless and all wrong!? It’s not trickery just try and answer the questions. Maybe ask for another try.

I had a security alert on a TSB current account and got blocked so had to phone them and they asked me several questions from my credit file in real time, like who was your gas supplier in 2012, what current account did you open in 2013. Absolutely mad expecting me to know with all the times I’ve changed suppliers, accounts etc. So I feel your pain. They are idiots to use this method so do you want to bank with idiots?

i've tried using the 2 character initials closest to the person i live with and tried hard as to work out the bank account or account they are asking for including trying to say none for Q2 etc but what makes it worse, each time the ans choices are slightly different with some new ones and old ones that were in the list on the last try.

Also as you said whomever came up with this method to confirm someone's identity are truly idiots and need to be strung-up, as it's unfair and unrealistic to expect ppl to remember bank accounts opening month and year and other similar details after in some cases more than 10yrs!

I only said they are idiots I didn’t say they should be strung up and I think that would be a bad idea.
Why don’t you phone them up or visit a branch if there is one near you, let me guess there isn’t.
Maybe use their App with fingerprint recognition if you have a smartphone or iPad?

There must be a simple solution, so look past their silly Experian impossible to know the answers and make them help you. I always found them good on the phone. If you get a bad agent just phone again until you get a good one!

lol was only joking when i said they shld be strung up, will try and see if going via the app will make things easier

davidg96

jjames1985 said:

Yorkshire_Pud said:

davidg96 said:

Yorkshire_Pud said:

Q2 must?! Be the initials of the person. If none say none.
Q1 you have time to make an informed decision but if the answer to 2 was no then you had five try’s at Q1 regardless and all wrong!? It’s not trickery just try and answer the questions. Maybe ask for another try.

I had a security alert on a TSB current account and got blocked so had to phone them and they asked me several questions from my credit file in real time, like who was your gas supplier in 2012, what current account did you open in 2013. Absolutely mad expecting me to know with all the times I’ve changed suppliers, accounts etc. So I feel your pain. They are idiots to use this method so do you want to bank with idiots?

i've tried using the 2 character initials closest to the person i live with and tried hard as to work out the bank account or account they are asking for including trying to say none for Q2 etc but what makes it worse, each time the ans choices are slightly different with some new ones and old ones that were in the list on the last try.

Also as you said whomever came up with this method to confirm someone's identity are truly idiots and need to be strung-up, as it's unfair and unrealistic to expect ppl to remember bank accounts opening month and year and other similar details after in some cases more than 10yrs!

I only said they are idiots I didn’t say they should be strung up and I think that would be a bad idea.
Why don’t you phone them up or visit a branch if there is one near you, let me guess there isn’t.
Maybe use their App with fingerprint recognition if you have a smartphone or iPad?

There must be a simple solution, so look past their silly Experian impossible to know the answers and make them help you. I always found them good on the phone. If you get a bad agent just phone again until you get a good one!

How is knowing when you opened an account impossible?

A) It isn't
It is
C) Three times on a Wednesday
D) Only once
E) All of the above

indeed lol lol

PRAISETHESUN

davidg96 said:

PRAISETHESUN said:

I second the above. Get copies of your credit reports and see what dates line up with account openings. Otherwise you can activate online banking by phoning them up - that's what I had to do when I opened my account

thanks for you help but as ive already said in reply to someone else -

i've never seen my credit report(s) nor do i know how to go about doing it, never needed to or wanted to as i thought a long time ago that it was expensive.

How do i go about checking this CRA reports you talk about and what are they, i see in the Co-operative bank website window before the questions appear that the questions are from Experian and actually done by Experian?

Also phoning them is just the same, as they will be asking me the same questions and will be waiting for me to answer it live and thats worse i think.

You can access your credit reports directly from Experian, Equifax and TransUnion by going to their websites and requesting a "statutory credit report" - this is free. You can also access them through MSE Credit Club (Experian), ClearScore (Equifax) and Credit Karma (TransUnion) - this is better if you intend to check them regularly, which you should also be considering. If Co-Op is saying that they are using data from your Experian report then that is the one to check first, but you need to check all 3 every now and then to make sure everything is being reported as it should be.

As for calling them, when I had to give them a ring they didn't ask me for these answers. They only needed my personal details and some numbers my debit card - then they took me through the process of setting up my login and some secret questions/answers for account security. If they ask you stuff from your credit files tell them you don't know the answers and ask them to verify you some other way! If all else fails, you may have to drop into a branch with some ID... inconvenient for some, but it'll definitely get the job done.