📨 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!

Equifax - what does "Special Arrangement" mean?

Options
124

Comments

  • GenieBoy
    GenieBoy Posts: 148 Forumite
    100 Posts Name Dropper
    Clearscore no longer showing closed accounts, anyone know any other free site that shows Equifax report?
  • K_S
    K_S Posts: 6,880 Forumite
    1,000 Posts Fourth Anniversary Photogenic Name Dropper
    @GenieBoy The Equifax statutory report is free https://www.equifax.co.uk/Products/credit/statutory-report.html 
    GenieBoy said:
    Clearscore no longer showing closed accounts, anyone know any other free site that shows Equifax report?

    I am a Mortgage Adviser - You should note that this site doesn't check my status as a mortgage adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice. 

    PLEASE DO NOT SEND PMs asking for one-to-one-advice, or representation.

  • GenieBoy
    GenieBoy Posts: 148 Forumite
    100 Posts Name Dropper
    K_S said:
    @GenieBoy The Equifax statutory report is free https://www.equifax.co.uk/Products/credit/statutory-report.html 
    GenieBoy said:
    Clearscore no longer showing closed accounts, anyone know any other free site that shows Equifax report?
    Nice one  :)
  • surreysaver
    surreysaver Posts: 4,830 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Does anyone know where to actually click on Equifax's website to obtain a statutory report? Its just sending me round in circles as I used to have the paid for account, and there's a button to sign up to that again, but not to download my statutory report?
    I consider myself to be a male feminist. Is that allowed?
  • K_S
    K_S Posts: 6,880 Forumite
    1,000 Posts Fourth Anniversary Photogenic Name Dropper
    Does anyone know where to actually click on Equifax's website to obtain a statutory report? Its just sending me round in circles as I used to have the paid for account, and there's a button to sign up to that again, but not to download my statutory report?
    @surreysaver Took me a while to figure it out. This is how I finally got it -

    Tried to sign up using this link https://www.equifax.co.uk/Products/credit/statutory-report.html It said I already had an account so I reset the password. Then when I tried to login using the new password it said I need to call them.

    I called them, they said I last accessed it in 2021 so they need to reverify ID for which they'll open a ticket on the Equifax Help website https://help.equifax.co.uk/EquifaxOnlineHelp/s/login/ (which unhelpfully is different to the Equifax website and you need a separate login for) and someone will send me a message on there asking for proof of ID and address. 

    Once I reset my password for the Equifax Help website and logged in, after a day I saw a message asking for ID and proof of address, uploaded it and another day or two later I got confirmation that it's all verified and had access to my statutory report on the Equifax.co.uk login.

    Hope that helps!

    I am a Mortgage Adviser - You should note that this site doesn't check my status as a mortgage adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice. 

    PLEASE DO NOT SEND PMs asking for one-to-one-advice, or representation.

  • Nebulous2
    Nebulous2 Posts: 5,673 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Does anyone know where to actually click on Equifax's website to obtain a statutory report? Its just sending me round in circles as I used to have the paid for account, and there's a button to sign up to that again, but not to download my statutory report?

    I had an account with them - years ago, but didn't pay for it, might have been a free trial. 

    I've just used the link above, clicked to login, gave my email address, clicked forgot my password, got a link to reset it, and on the first page 'dashboard' on the righthand side there is a button to get your statutory report. On the lefthand side it wants me to check my score, and start a free trial. 

    I suspect, like me, you still have an account and you'll need to login through that. 

    The process was remarkably simple for me - off to read the report now. 
  • surreysaver
    surreysaver Posts: 4,830 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Nebulous2 said:
    Does anyone know where to actually click on Equifax's website to obtain a statutory report? Its just sending me round in circles as I used to have the paid for account, and there's a button to sign up to that again, but not to download my statutory report?

    I had an account with them - years ago, but didn't pay for it, might have been a free trial. 

    I've just used the link above, clicked to login, gave my email address, clicked forgot my password, got a link to reset it, and on the first page 'dashboard' on the righthand side there is a button to get your statutory report. On the lefthand side it wants me to check my score, and start a free trial. 

    I suspect, like me, you still have an account and you'll need to login through that. 

    The process was remarkably simple for me - off to read the report now. 
    Tried that, just too me to the same page I was on before. Maybe its because I'm using a phone - I'll try on a laptop later 
    I consider myself to be a male feminist. Is that allowed?
  • simon_or
    simon_or Posts: 890 Forumite
    500 Posts First Anniversary Name Dropper
    edited 11 June 2023 at 6:52PM
    Does anyone know where to actually click on Equifax's website to obtain a statutory report? Its just sending me round in circles as I used to have the paid for account, and there's a button to sign up to that again, but not to download my statutory report?
    Yeah exact same as me. Was going nowhere until I called the Equifax customer line (Monday to Friday) and they walked me through the verification I had to do through yet another support portal. 

    Eventually got there and now that I have it's better than the Experian statutory one as you can just login and refresh to get the latest version.
  • MrFrugalFever
    MrFrugalFever Posts: 1,301 Forumite
    1,000 Posts Fourth Anniversary Photogenic Name Dropper
    You have to call them if it doesn’t come up and they manually activate the option to download it their end.
    If you believe you can, you will. If you believe you can't, you won't.

    Secured/Unsecured loans x 1 
    Credit Cards x 8 (total limit £55,050)
    Creation FS Retail Account x 1
    Creation Credit Sale 0% x 1 = £112.50pm x 20 mths
    0% Overdraft x 1 (£0 / £250)
    Mortgage Outstanding - £137,707.00 (Payment 13/360)
    Total Debt = £7,400 (0%APR) @ £100pm - Stoozing

  • K_S
    K_S Posts: 6,880 Forumite
    1,000 Posts Fourth Anniversary Photogenic Name Dropper
    K_S said:
    artyboy said:
    Well, success for me anyway - both Clearscore and my statutory report are showing as Active & Up To Date for EON - shows that they can correct it quickly if they want to!

    Oh, and my score is back to 1000. Whoopee  :D

    If I do hear any more about why this happened, I'll add it to this thread.

    @K_S - I wish you luck in getting the same resolution...
    @artyboy Thanks for the update and glad to hear that it's all sorted. That was quick! I'm still waiting to hear back, fingers crossed I get the same outcome without having to chase any more than I've already done.

    Even if I do get it sorted, I'm going to continue my complaint until they give me an explanation of why this happened as I think it's quite a big deal as it probably traces back to a mistake they made when rolling out the credit bureau reporting recently and must be affecting a good proportion of their customers with debit balances. As a mortgage broker, I shudder to think of all the people who must be going about their business not aware of an AP marker on their Equifax reports.
    Just to close the loop - I kept my complaint open even after the credit file marker was reversed, asking for an explanation for why this happened and an apology.

    Neither was forthcoming (mostly due to what seems like a broken complaints handling process within Eon rather than anything nefarious) within 8 weeks following which I escalated it to the Energy Ombudsman. At stage 1 of the ombudsman process, Eon offered an explanation (basically amounting to saying that their system made an error, marked my account to be in arrears and reported the same to Equifax), apologised for the same, and offered a small amount of compensation. I've accepted the resolution and closed the complaint.

    I am a Mortgage Adviser - You should note that this site doesn't check my status as a mortgage adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice. 

    PLEASE DO NOT SEND PMs asking for one-to-one-advice, or representation.

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
  • 351.2K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.7K Spending & Discounts
  • 244.2K Work, Benefits & Business
  • 599.2K Mortgages, Homes & Bills
  • 177K Life & Family
  • 257.6K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K 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.