Free Credit Reports / MSE Credit Club

dino2020

Hi,

Had been given a free Credit Karma credit  report by my old  credit card provider - Asda.

Thought it was a good service, but after Asda closed their card 6 weeks ago, we opened another one with a new provider, yet today the credit report still shows an amount still listed on the old Asda card but no mention of the new card which already has passed two month end payment dates, how can they say its an up  to date report !

Decided to look at something that might provide more current info so tried the MSE Credit Club, but its a long time since we came across any application wanting so much personal info, income etc and  even down to which ISP we were using !  Credit company or not, refused to enter such details  and terminated the application.

Any suggestions of any other free Credit Report service worth having ?

adamp87

MSE is just trying to verify it’s you to prevent someone else looking at your profile and prevent fraud.

You’ll find they all do similar things so if that’s a problem you won’t get far.

Credit Karma is free regardless - it’s possible the creditor hasn’t updated the account for a while and your new one may not report to every CRA

You could try direct with Experian/Equifax/Transunion

But MSE =Experian
       Credit Karma = TransUnion
       Clearscore - Equifax

D3xt3r5L4b

dino2020 said:

Hi,

Had been given a free Credit Karma credit  report by my old  credit card provider - Asda.

Thought it was a good service, but after Asda closed their card 6 weeks ago, we opened another one with a new provider, yet today the credit report still shows an amount still listed on the old Asda card but no mention of the new card which already has passed two month end payment dates, how can they say its an up  to date report !

Decided to look at something that might provide more current info so tried the MSE Credit Club, but its a long time since we came across any application wanting so much personal info, income etc and  even down to which ISP we were using !  Credit company or not, refused to enter such details  and terminated the application.

Any suggestions of any other free Credit Report service worth having ?

You are required to provide such information to verify your identity.
If you choose to not provide your identity then you choose to not have access to your credit report.

Takmon

adamp87 said:

MSE is just trying to verify it’s you to prevent someone else looking at your profile and prevent fraud.

You’ll find they all do similar things so if that’s a problem you won’t get far.

Credit Karma is free regardless - it’s possible the creditor hasn’t updated the account for a while and your new one may not report to every CRA

You could try direct with Experian/Equifax/Transunion

But MSE =Experian
       Credit Karma = TransUnion
       Clearscore - Equifax

Experian and Equifax also provide free access to your credit report directly due to GDPR so no need to go through third parties anymore.

dr_adidas01

Takmon said:

adamp87 said:

MSE is just trying to verify it’s you to prevent someone else looking at your profile and prevent fraud.

You’ll find they all do similar things so if that’s a problem you won’t get far.

Credit Karma is free regardless - it’s possible the creditor hasn’t updated the account for a while and your new one may not report to every CRA

You could try direct with Experian/Equifax/Transunion

But MSE =Experian
       Credit Karma = TransUnion
       Clearscore - Equifax

Experian and Equifax also provide free access to your credit report directly due to GDPR so no need to go through third parties anymore.

True though they will still ask the questions the OP doesn’t want to answer, to verify their identity. 

Takmon

dr_adidas01 said:

Takmon said:

adamp87 said:

MSE is just trying to verify it’s you to prevent someone else looking at your profile and prevent fraud.

You’ll find they all do similar things so if that’s a problem you won’t get far.

Credit Karma is free regardless - it’s possible the creditor hasn’t updated the account for a while and your new one may not report to every CRA

You could try direct with Experian/Equifax/Transunion

But MSE =Experian
       Credit Karma = TransUnion
       Clearscore - Equifax

Experian and Equifax also provide free access to your credit report directly due to GDPR so no need to go through third parties anymore.

True though they will still ask the questions the OP doesn’t want to answer, to verify their identity. 

They will only ask what is needed to verify their identity and not ask things like Income or who your ISP is for a statutory request so maybe they will be happier to do this considering they already have this data.