MSE Credit Club Why Transunion.

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Dandytf
Dandytf Posts: 4,820 Forumite
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edited 15 March at 8:31AM in Site feedback
What's the Purpose of Credit Club choosing Transunion over Experian.
I personally have never referred to Transunion u.k. or Prev Call Credit.
Yet I've found MSE Credit Club referring to Experian report as useful tool.
Replenished CRA Reports.2020 Nissan Leaf 128-149 miles top charge. Savings depleted. VM Stream tv M250 Volted to M350 then M500 since returned to 1gb
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  • Themoneyshot
    Themoneyshot Posts: 20 Forumite
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    It wasn't a choice as such. Experian are revoking third party access to their data. I assume to try and garner more paying subscriptions. MSE have moved to Transunion in order to continue to offer a service. As MSE was the only way to get free access to the full Experian data without requesting a statutory report we are now left with poorer access to our data, in general. 
  • fatbelly
    fatbelly Posts: 20,518 Forumite
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    In the grand scheme of things it's a negative step. But decisions get made for financial reasons and you have to live with them.
  • DullGreyGuy
    DullGreyGuy Posts: 10,464 Forumite
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    Dandytf said:
    What's the Purpose of Credit Club choosing Transunion over Experian.
    I personally have never referred to Transunion u.k. or Prev Call Credit.
    Yet I've found MSE Credit Club referring to Experian report as useful tool.
    Why do you think? Credit reference agencies charge for access to data, some are willing to pay for exclusive access to data for a particular purposes and they have to consider the revenue they generate from third parties -v- their direct to consumer offerings. 

    Its simply a commercial decision based on what MSE is willing to pay -v- what others are willing to pay or sell for
  • Dandytf
    Dandytf Posts: 4,820 Forumite
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    DullGreyGuy said:
    Dandytf said:
    What's the Purpose of Credit Club choosing Transunion over Experian.
    I personally have never referred to Transunion u.k. or Prev Call Credit.
    Yet I've found MSE Credit Club referring to Experian report as useful tool.
    Why do you think? 
    Which is why I asked :D:wink:
    Replenished CRA Reports.2020 Nissan Leaf 128-149 miles top charge. Savings depleted. VM Stream tv M250 Volted to M350 then M500 since returned to 1gb
  • James
    James Posts: 2,059 Forumite
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    Didn't Martin sell out to Experian?
  • DullGreyGuy
    DullGreyGuy Posts: 10,464 Forumite
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    James said:
    Didn't Martin sell out to Experian?
    Martin has nothing to do with this site... he sold out to MoneySupermarket years ago for a high 8 digit number and just licenses his name/image to be used by the site. He stayed on for a bit as an advisor but that also ended years ago
  • etienneg
    etienneg Posts: 468 Forumite
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    Credit Karma already gives free access to TransUnion data, so is there any point in continuing with MSE Credit Cub?
  • molerat
    molerat Posts: 31,879 Forumite
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    etienneg said:
    Credit Karma already gives free access to TransUnion data, so is there any point in continuing with MSE Credit Cub?
    IMO not any more.  The only real reason was to get access to Experian free. No point having 2 ways to get TransUnion.

  • Dandytf
    Dandytf Posts: 4,820 Forumite
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    Only Transunion ref I know of was via checkmyfile.
    Is their CRA similar personal Data to other Agencies.

    thanks mser's
    Replenished CRA Reports.2020 Nissan Leaf 128-149 miles top charge. Savings depleted. VM Stream tv M250 Volted to M350 then M500 since returned to 1gb
  • Grumpy_chap
    Grumpy_chap Posts: 14,912 Forumite
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    Dandytf said:
    What's the Purpose of Credit Club choosing Transunion over Experian.

    The reasons were explained in the e-mail from MSE Credit Club advising of the change.
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