Crediva CRA Statutory Credit Report

Saga

Has anyone ever requested online a SCR from Crediva, seemingly touted as the 4th of the "Big Four" CRAs?

Have to say I'm very sceptical about them (but then I'm easily spooked!). I completed the online application fully with all requested information and accompanying ID (screen caps / prints taken as usual) and got the confirmation. Then days later got an email asking me to resend my address info as they could not find the address! I re-sent as requested but somehow magically this time they managed to find the address and sent link & downloader pw emails for a zip file – perhaps this should have rung alarm bells as I understood archive files more able to slip infected payloads past antivirus tools.

In any case the pw wasn't accepted to allow download of the zip (no mention anywhere about the link or pw being time-limited so that cause discounted)! What sort of professional outfit works like this?

After contacting Crediva they eventually resent a new link and pw. This time downloading was possible – but no doubt my system is now infected with spyware and GKWE!

But then the SCR showed... only electoral role confirmation of my address and dates, absolutely no other credit information from lenders and service providers, and nothing like SCRs from the other three agencies!

Simply bizarre.

born_again

It will only show what lenders report to them. 

jackjones01

It’ll be interesting to see who actually reports to them…

Nasqueron

There are a big 3 and an extra very small one