Having to enter Credit Card details. Is this suspicious or normal?

a_car_person

Things to note on the pic:
1, Money Saving Expert, on MSE it’s written MoneySavingExpert
2, What’s a GDS?
3, The link doesn’t say Credit Club anywhere
These anomalies might suggest a scam.

ThisnotThat

a_car_person said:

Things to note on the pic:
1, Money Saving Expert, on MSE it’s written MoneySavingExpert
2, What’s a GDS?
3, The link doesn’t say Credit Club anywhere
These anomalies might suggest a scam.

The domain is a subdomain of moneysavingexpert.com and there are occasionally references to Money Saving Expert on the site.

GDS appears to be Government Digital Services.  If you go to experian.moneysavingexpert.com you'll see a reference to Gov.Verify and if you click the "Login to Experian" button you get taken to https://www.experianidentityservice.co.uk/Account/Login/Username which is a completely legitimate Experian site (it's linked to by https://www.experian.co.uk/identity-and-fraud/govuk-verify/ for example.)

Given the OP is trying to verify their identity it all very much adds up.

phillw

It's probably ok as the email and web addresses look legitimate, but It's worth checking with creditclub directly as I've never seen that (but I've not moved since signing up to it).

Leblur

Response from Credit Club Support:
Thanks for getting in touch and sorry to hear about this.

If you provide your bank details, these are safe as our site is encrypted. So you may want to enter these details to complete the verification steps. However, if you've not updated your address recently and you're concerned you may want to obtain a copy of your statutory credit report. 

This means you can check the info shown and see any address linked to your credit file to ensure the info is correct and up-to-date before continuing with the Credit Club verification steps. You can request a free full Statutory credit report from Experian directly – info on how to do this can be found here.

Anyone applied for a Statutory Credit Report before?

ThisnotThat

Leblur said:

Response from Credit Club Support:
Thanks for getting in touch and sorry to hear about this.

If you provide your bank details, these are safe as our site is encrypted. So you may want to enter these details to complete the verification steps. However, if you've not updated your address recently and you're concerned you may want to obtain a copy of your statutory credit report. 

This means you can check the info shown and see any address linked to your credit file to ensure the info is correct and up-to-date before continuing with the Credit Club verification steps. You can request a free full Statutory credit report from Experian directly – info on how to do this can be found here.

Anyone applied for a Statutory Credit Report before?

Yes.

It was a right faff with Experian, but nice and easy with Equifax and Transunion.

Leblur

As Credit Club Support confirmed the info will be encrypted and that the link is actually from their site, I went ahead and entered my verification details. All details on the Experian site for MSE Credit Club is correct, including my present and previous address.

PRAISETHESUN

Leblur said:

Response from Credit Club Support:
Thanks for getting in touch and sorry to hear about this.

If you provide your bank details, these are safe as our site is encrypted. So you may want to enter these details to complete the verification steps. However, if you've not updated your address recently and you're concerned you may want to obtain a copy of your statutory credit report. 

This means you can check the info shown and see any address linked to your credit file to ensure the info is correct and up-to-date before continuing with the Credit Club verification steps. You can request a free full Statutory credit report from Experian directly – info on how to do this can be found here.

Anyone applied for a Statutory Credit Report before?

Experian: https://www.experian.co.uk/consumer/statutory-report.html
They either send your full report in the post, or email you a password-protected pdf and mail you the code seperately.

Equifax: https://www.equifax.co.uk/Products/credit/statutory-report.html
Easiest to register for an online account and submit your order that way. There is an option tovrequest a paper copy but I've never tried it.

TransUnion: https://www.transunionstatreport.co.uk/
Never actually done it this way as I've always gone through CreditKarma, but it looks straightforward.

PRAISETHESUN

Having read over this thread a bit more and having had a look at the screenshots posted, I'm a bit more relaxed as to me it looks okay - it is probably just a new identity verification method from Experian that none of us have seen before. Worst case scenario you contact your bank and ask them to cancel your card if any unauthorised payments are taken.

singhini

ThisnotThat said:

It was a right faff with Experian, but nice and easy with Equifax and Transunion.

I agree.
I also find it frustrating that if you use MSE Credit Club you CANNOT contact Experian to raise a query or dispute, However you can with ClearScore and CreditKama to contact Equifax and Transunion respectively. 
 

[Deleted User]

singhini said:

ThisnotThat said:

It was a right faff with Experian, but nice and easy with Equifax and Transunion.

I agree.
I also find it frustrating that if you use MSE Credit Club you CANNOT contact Experian to raise a query or dispute, However you can with ClearScore and CreditKama to contact Equifax and Transunion respectively. 
 

ClearScore and CreditKarma are both the front ends for the CRA, run by them, for their own benefit.
Credit Club is a partnership between two independent companies