MSE News: Consumers to get free credit reports from Callcredit

edited 30 November -1 at 1:00AM in Loans
115 replies 29.7K views
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  • ConsumeristConsumerist Forumite
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    masonic wrote: »
    Have I just fallen for a scam?
    I haven't received a second email yet so haven't tried the registration process. Does look a bit like a scam email.

    Might be a good idea to fire off an email to them to confirm that the one you received was genuine.
    >:)Warning: In the kingdom of the blind, the one-eyed man is king.
  • ConsumeristConsumerist Forumite
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    fermi wrote: »
    To be honest, I'm a bit reluctant to give them debit/credit card details, as I really don't trust them not to mess up and start charging. :undecided
    I think I'm with you on that one. Are we just paranoid?
    >:)Warning: In the kingdom of the blind, the one-eyed man is king.
  • masonicmasonic Forumite
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    I haven't received a second email yet so haven't tried the registration process. Does look a bit like a scam email.

    Might be a good idea to fire off an email to them to confirm that the one you received was genuine.
    I've already contacted them to ask them what is going on. I've checked the headers and the email has a DKIM signature, so I believe it has come from noddle, I'm just becoming suspicious that this is all a huge information harvesting exercise.
  • I am not surprised at the unholy clamour for a "free credit report" but do remember this is the smallest of the three UK CRAs and that you won't be the only one interested in getting YOUR credit file for nothing.

    I had a suffered a concerted Identity Fraud attack 16 months ago which relied on an online obtained CallCredit report as the fraudsters' aide memoire. In that case, the fraudsters were prepared to pay £12 for it (on a fraudulently obtained pre-pay card I believe) but I had never signed up for any account with CallCredit. Their security was simply inadequate to protect my personal data and I didn't find out about the CallCredit flaw until three months after the damage was done.

    I believe (because they never confirmed my guess of exactly what happened) CallCredit may have sharpened up a little i.r.o. one particular weakness but that didn't protect me, and now they are opening the flood gates in order to gain market share then who knows what concerted attacks their systems and ALL of us, whether we sign up to CallCredit or not, may suffer?
  • chanz4chanz4 Forumite
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    I signed up no issues, they pre auth 10p
    Don't put your trust into an Experian score - it is not a number any bank will ever use & it is generally a waste of money to purchase it. They are also selling you insurance you dont need.
  • masonicmasonic Forumite
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    I think it's the prepaid card that's causing it to fail, but their website handles it really badly - no error message, just bounces me back to the homepage. I have enough positive balance on the card for a 10p charge, so either they are trying to take £12, or they are actively blocking prepaid cards.

    From what I've seen so far, there is NO WAY I'm going to give them card details they'd actually be able to use to charge me for their service. I was curious about the data Callcredit held about me, but not that curious.
  • chanz4chanz4 Forumite
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    no myn did that at first, if you have ever had an account before use a different email and user name.
    Don't put your trust into an Experian score - it is not a number any bank will ever use & it is generally a waste of money to purchase it. They are also selling you insurance you dont need.
  • masonicmasonic Forumite
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    chanz4 wrote: »
    no myn did that at first, if you have ever had an account before use a different email and user name.
    I've tried a few different usernames and a couple of different email addresses, but I can never get further than clicking the 'Confirm' button. I've never even visited the Callcredit website before yesterday.
  • fermifermi Forumite
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    New email.

    0712001.png
    Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB

    IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed
  • masonicmasonic Forumite
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    It's working fine for me now. I was able to use my prepaid mastercard to avoid the risk of them taking the £12 fee.
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