TransUnion Credit File Not Recognised

Willumn

After quite a fight, I managed to get sight of my TransUnion credit file by going to them direct. MSE Credit Club keeps saying the details don't match, so it can't be shown. I tried to delete all my MSE accounts and renew all the data but it hasn't helped.

It's possible that some of this came about because the Christian name I've used and been called since birth is the abbgreviated form of my MIDDLE name.

How do I get a registration/membership with the Credit Club that will work?

ps all this came about because I was going to change to a more favourable Credit Card for overseas use. I was a bit taken aback when the check for eligibility through MSE said 'no chance', when my Experian and Clearscore are right at the top.

Will

ProcessMatters

This is almost certainly not a “bad credit” issue and more a data-matching one. MSE Credit Club is just a front end pulling TransUnion data, and it’s much stricter about name and address matching than Experian/Clearscore. If the forename you’ve used day-to-day is actually an abbreviated middle name, that alone can break their matching.

The fix isn’t deleting and recreating MSE accounts. You need TransUnion to have one clean, consistent identity on file. Make sure your TransUnion record shows your full legal name exactly as it appears on official ID, and that your current address (and recent previous ones) are correct. If necessary, raise a correction with TransUnion directly and ask them to merge or suppress any duplicate name variants.

Once TransUnion is clean, Credit Club usually starts working without you doing anything else. The “no chance” eligibility result is almost certainly because Credit Club can’t confidently see you, not because lenders wouldn’t accept you.

If Experian and Clearscore look good, you’re not suddenly uncreditworthy — it’s just a matching problem.

Willumn

Yep, I got the idea what the problem was from the fact that I could access my details directly from TransUnion - apart from the actual score - and it all looked as I expected, good and clean.

The bit that concerns me is that if I do not remove/delete my current file from MSE and I ask for the score again, is it going to recreate the problem if TransUnion see the same data? A bit of a chicken-and-egg situation, if I don't have a 'clean and accurate' listing on MSE, is it not always going to keep drawing a blank on TransUnion and therefore TransUnion is going to continue to say I do not exist?

I will contact TransUnion and do as you suggest and see what they say.

Will