Experian Credit Report

CliveOfIndia

MyGodiTsSoBig said:

Dear Clive.

I get what you are saying.

Is it OK for me to send you an email that ALERTS YOUR CONSCIENCE & the only way to pacify your alarm is to pay me money or to follow my commands?

Is this the new normal now?

With respect, the words "Mountain" and "Molehill" come to mind.

They have alerted you to a change in your credit circumstances - which you presumably requested when you signed up for their email alerts.

Admittedly, it's somewhat annoying that using their app is the quickest way to get access to the underlying information - but that's far from unusual these days.

They offer an alternative, via the free statutory report, which may involve a slight delay.  I'm struggling to see what the issue is?

gevans35

Same thing here, complete waste of time, I sent them a GDPR notice to delete all of my details and blocked their email.

flaneurs_lobster

https://forums.moneysavingexpert.com/discussion/comment/81953346#Comment_81953346

A notification of a credit account having been added to your report by Experian?

Did you check on the details before removing yourself from their mailings?

If you have any credit products at all then the details will have been reported to (and held by) Experian and/or the other credit reference agencies. They do not have to remove your data unless it is erroneous or they do not have a legitimate reason to hold it (which they do).

CliveOfIndia

https://forums.moneysavingexpert.com/discussion/comment/81953346#Comment_81953346

They won't delete your data due purely to GDPR, they are a business which has a legitimate right to hold your credit data. Any errors can be challenged/corrected. But they are one of the 3 (in the UK) central repositories of credit data used by all lenders to assess risk when applications are made.

Blocking email alerts (or simply unsubscribing) is your choice, of course. But they can be useful to alert you of an unexpected change in your credit circumstances. As ever, ignore anything to do with your fictitious score - but if you suddenly get notified of a new credit agreement that you're unaware of, that's quite useful to know.

gevans35

I did check and wasted over half an hour (couldn't view online, app only) setting up an app with pin no. only to find that some accounts had been closed with zero balance over the last six years. Spam email to scare folk into setting up an app on their phones. App uninstalled, Experian history.