MSE Credit Club moving from Experian to Transunion

Just got an email from MSE basically stating the above. No specific timeline, but the key question is, are there any alternative free sources to my Experian file once the switch happens?
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  • molerat
    molerat Posts: 31,562
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    edited 24 November 2023 at 4:41PM
    Can't find anywhere.  TransUnion seem to be the tarts in the game, all LBG sites and CapitalOne CreditWise - I am sure they used a different provider previously - use them.
    This quite a major upset.
  • fatbelly
    fatbelly Posts: 20,234
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    No, but it's possible Experian might find another partner after they lose mse.

    You can always get a free statutory report, and checkmyfile is free if you can remember to cancel within one month
  • ndrw
    ndrw Posts: 140
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    Real shame as Experian was the most useful. Presumably they want people to pay. Oh well. 
  • Brie
    Brie Posts: 9,305
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    I fail to see what the issue is.  Having seen a number of both Experian and Transunion reports I think there's very little difference between the two.  Unless of course the MSE versions of these will vary.

    @molerat
    I'm interested why you think it's a big disappointment.
    "Never retract, never explain, never apologise; get things done and let them howl.”
  • I think this is a big disappointment as now that means there is no 'free' access to a full Experian credit report without going through their 'Statutory Credit Report' application process, which is painful in comparison to Equifax and TransUnion. Why they have to send a letter in the post rather than an email with a code is beyond me.

    From my own personal experience, it seems that Experian is the most preferred/used CRA by lenders with TransUnion coming in second and Equifax third - again, from my own experience here!

    Lets hope another avenue to access the Experian full report for free arises as a result.


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  • James
    James Posts: 2,058
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    In this day and age it's ironic that the Credit Reference companies don't have a one-stop shop for::-

    requesting your Credit Report (to check with all three if you suspect you've been a victim of fraud)
    adding a Notice of Correction with may apply to ALL those who view your report;

    After all if you're a victim, or suspected victim of fraud, they (Credit Ref Agencies) have the means of alerting each other automatically.

    It  is pathetic to think a company such as Experian, makes loads of dosh from OUR info, then wont allow you free instant access to your report.   

    Come on Experian, or you may find consumers refusing to allow you access to their data, how I don't know. YET!


  • molerat
    molerat Posts: 31,562
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    Brie said:
    I fail to see what the issue is.  Having seen a number of both Experian and Transunion reports I think there's very little difference between the two.  Unless of course the MSE versions of these will vary.

    @molerat
    I'm interested why you think it's a big disappointment.
    There is very little difference except when there is.  Not all report to all CRAs, that is why it is important to have access to all 3.

  • masonic
    masonic Posts: 22,888
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    edited 25 November 2023 at 7:50AM
    Brie said:
    I fail to see what the issue is.  Having seen a number of both Experian and Transunion reports I think there's very little difference between the two.  Unless of course the MSE versions of these will vary.

    @molerat
    I'm interested why you think it's a big disappointment.
    TransUnion misses most of my hard searches and a couple of my non-bank credit accounts. Experian seems to be used by the most financial institutions for this purpose, but all three CRAs hold different information on me related to searches, because few financial institutions search all three.
    At least you no longer need to pay £2 for the statutory report.
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