Clearscore Questions question

edited 30 November -1 at 1:00AM in Credit File & Ratings
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CairezCairez Forumite
31 Posts
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edited 30 November -1 at 1:00AM in Credit File & Ratings
After trying to register with MSE's Credit Club and it not finding me (I don't know why)
I registered with Clearscore and they found my details no problem. However, there were a couple of questions they asked that I got a bit worried about. It asked about addresses and mobile phone contracts etc that I had and to verify which ones were correct, but one question said I had opened a store card on March 2016 but I have never opened a store card anywhere! Was this just a way to find out if I was really me or is there a chance a store card has been opened under my name somewhere?

There weren't any bad things on my account once I was in, just recommendations to get a credit card, etc so I don't know what to think.

Replies

  • Willing2LearnWilling2Learn Forumite
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    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
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    Hi,

    The questions you were asked were for identity verification purposes, so is nothing to be worried about. As long as a store card is not listed as one of your credit accounts, then everything should be ok.

    It would be good practice to double-check against the data held by the other two CRAs.
    I work within the voluntary sector, supporting vulnerable people to rebuild their lives.

    I love my job

    :smiley:
  • CairezCairez Forumite
    31 Posts
    Seventh Anniversary 10 Posts Combo Breaker
    Hi,

    The questions you were asked were for identity verification purposes, so is nothing to be worried about. As long as a store card is not listed as one of your credit accounts, then everything should be ok.

    It would be good practice to double-check against the data held by the other two CRAs.

    Cool, how do I see my credit accounts and what are the other two CRA's?
  • [Deleted User][Deleted User] Forumite
    0 Posts
    MoneySaving Newbie
    Equifax - Clearscore
    Experian - MSE Credit Club
    CallCredit/TransUnion - Noddle
  • CairezCairez Forumite
    31 Posts
    Seventh Anniversary 10 Posts Combo Breaker
    Cheers - Equifax asked if I had a mortgage account opened in 2004, that would've been good as I was 11!
  • Willing2LearnWilling2Learn Forumite
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    Cairez wrote: »
    Cool, how do I see my credit accounts and what are the other two CRA's?
    When you login to ClearScore you want on the top menu to click on: Report > Accounts
    Then scroll down to see a list of all your credit accounts reported to Equifax (ClearScore)

    The other two CRAs are TransUnion (ex CallCredit) and Experian.
    You can see your TransUnion report by registering with noddle.co.uk

    You can see your Experian report by requesting a free statutory report
    https://www.experian.co.uk/consumer/statutory-report.html


    Edit: I'm too slow typing and Gary beat me to it :)
    I work within the voluntary sector, supporting vulnerable people to rebuild their lives.

    I love my job

    :smiley:
  • CairezCairez Forumite
    31 Posts
    Seventh Anniversary 10 Posts Combo Breaker
    Seems like everything's okay with my accounts and no dodgy stuff is going on - I've got an average/just above average credit score so I just need to work on improving that I think
  • zx81zx81 Forumite
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    Cairez wrote: »
    I've got an average/just above average credit score so I just need to work on improving that I think

    You don't.

    You just need to work on building your credit history. Regular use of a credit card, clearing in full each month. Ignore anything the score does.
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