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

davidg96

PRAISETHESUN said:

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.

yeah will try Expirian first and then give co-op a call if no joy, also interesting you said they dont ask similar Experian question when one calls them, will see what they ask me when i call.

thank for taking you time explain things to me, appreciated

sourcrates

Problem you might have is the same or similar questions are asked in order to view your credit report.

I`ve never had to answer questions about my credit file to register for online banking.

davidg96

sourcrates said:

Problem you might have is the same or similar questions are asked in order to view your credit report.

I`ve never had to answer questions about my credit file to register for online banking.

Yeah re similar questions asked in order to view ones credit report but not just the same ones i am being asked - as my problems is because throughout the years i have opened at least 6 -7 different current accounts and so dont know which ones they are asking about each time, so with viewing my credit report they will ask different ones- for example others get questions about their gas supplier or the address they have lived in at a particular year - so different questions for different people.

Also you may never have had to answer questions about your credit file to register for online banking because you have never opened or recently opened a cooperative bank current account, as the only form is the same for everyone, not just for me and everyone who then want to register for online access to their current account will be asked random questions about their credit file.

I personally dont really need the account so i decided to let it go ie they can keep their curent account as asking questions like that are just plain stupid and unfair and dont want to bank with a bank that ask such questions etc etc.

cymruchris

davidg96 said:

I personally dont really need the account so i decided to let it go ie they can keep their curent account as asking questions like that are just plain stupid and unfair and dont want to bank with a bank that ask such questions etc etc.

It's a pain - but it is a good security measure - as it generally stops people opening fraudulent accounts in your name. I see the benefit, but there should be a clear alternative available for those that don't know the answers! I actually WOULD want to bank with someone that asked such questions, as it would be protecting me from headaches and potential losses You have to look at it both ways.

davidg96

cymruchris said:

davidg96 said:

I personally dont really need the account so i decided to let it go ie they can keep their curent account as asking questions like that are just plain stupid and unfair and dont want to bank with a bank that ask such questions etc etc.

It's a pain - but it is a good security measure - as it generally stops people opening fraudulent accounts in your name. I see the benefit, but there should be a clear alternative available for those that don't know the answers! I actually WOULD want to bank with someone that asked such questions, as it would be protecting me from headaches and potential losses You have to look at it both ways.

indeed some merits but other banks do all that ie have robust security measures that protect me and dont have the same impossible questions, but each to their own, what good for the geese is not always good for the gander or whatever the actual saying is.