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ClearScore verification questions

Seasalt3
Posts: 91 Forumite

Has anyone else recently signed up to Clearscore where they ask random verification questions like: 'you have taken out a mortgage' then they give a month and year when
youu had supposedly opened the mortgage account even though you haven't done.
and then options to pick various mortgage lenders or none of the above. It's really worrying as it makes you think someone has fraudulently opened an account in your name. I emailed Creditscore to query this and they said Equifax sometimes use trick questions in their verification questions as part of their security process to ensure you are who you say you are and you should just choose the answer 'none of these'. Not impressed with that as it causes unnecessary worry
youu had supposedly opened the mortgage account even though you haven't done.
and then options to pick various mortgage lenders or none of the above. It's really worrying as it makes you think someone has fraudulently opened an account in your name. I emailed Creditscore to query this and they said Equifax sometimes use trick questions in their verification questions as part of their security process to ensure you are who you say you are and you should just choose the answer 'none of these'. Not impressed with that as it causes unnecessary worry
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Comments
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I like it - it's more likely to weed out illicit attempts.0
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I suppose that's true but still think there could be a better way to verify someone. It made me panic that I'd been a victim of identity fraud
Incidently my partner passed verification without being asked any trick questions only relevant ones
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Yes it's normal, I had the same with Co-Op when speaking to their customer service team the first time to release a 1p transfer - thinks like when you opened a current account - just makes sure you are who you say you are as some things a fraudster wouldn't be able to predict unlike say DoB or address
Sam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
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