Monzo
patrick1982
Posts: 41 Forumite
So finally my monzo account that i opened 2018 reports to my credit file.
Anyone else here that just see it on transunion ? Or is that normal ?
https://ibb.co/yFKZgw3
Anyone else here that just see it on transunion ? Or is that normal ?
https://ibb.co/yFKZgw3
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Comments
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If you’re using CheckMyFile and paying for it I’d suggest cancelling it and getting your free reports elsewhere0
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If you’re using CheckMyFile and paying for it I’d suggest cancelling it and getting your free reports elsewhere
check my file is the only one who shows me my reports.
Transunion, Experian, Equifax etc cant find me ?!
Idk why but i stuck with checkmyfile and 15 pound isnt really that much money0 -
It is when you can get them for free.
Have you tried all the free sites?
Equifax - Clearscore and Credit Wise
Experian - MSE Credit Club
TransUnion/CallCredit - Credit Karma, TotallyMoney, GiffGaff Money0 -
https://forums.moneysavingexpert.com/showthread.php?t=6027667
So now you are starting to build credit history!Mortgage started 2020, aiming to clear it in 2026.0 -
MovingForwards wrote: »https://forums.moneysavingexpert.com/showthread.php?t=6027667
So now you are starting to build credit history!
yes just only with transunion so far, according to monzo they also only report to transunion.......sadly most companies i saw pull experian and equifax0 -
It is when you can get them for free.
Have you tried all the free sites?
Equifax - Clearscore and Credit Wise
Experian - MSE Credit Club
TransUnion/CallCredit - Credit Karma, TotallyMoney, GiffGaff Money
So i try to sign up with all kind of a failure
MSE = cant verify me (even though checkmyfile can)
Totalmoney = offline
GiffGaff = offline
Credit Karma = no report
Credit Wise= offline
clearscore= ask for ID and Selfie0 -
patrick1982 wrote: »check my file is the only one who shows me my reports.
Transunion, Experian, Equifax etc cant find me ?!
Idk why but i stuck with checkmyfile and 15 pound isnt really that much money
CheckMyFile is using the data available from the CRAs so it sounds like your data is able to be linked to you and there shouldn't be an issue with getting access to it. It's completely up to you if you want to spend your own money but £15/month will add up over time and you can get the EXACT same information for no cost at all by going direct, or using some of the free services outlined above.
Request your statutory credit reports directly from the three CRAs - they are obliged by law to provide you with this information. If your files are quite thin (which it sounds like might be the case) then you may have to jump through some hoops to identify yourself, but from my experience once you provide them enough information to identify yourself there is usually no problem.0 -
patrick1982 wrote: »So i try to sign up with all kind of a failure
MSE = cant verify me (even though checkmyfile can)
Totalmoney = offline
GiffGaff = offline
Credit Karma = no report
Credit Wise= offline
clearscore= ask for ID and Selfie
Not sure I understand what "offline" means.
If ClearScore require ID then provide it?0 -
Not sure I understand what "offline" means.
If ClearScore require ID then provide it?
offline means the website says: service offline please try later.
and for clearscore i supplied that and just got this reply:
Hi Patrick,
Thanks for getting in touch. I’m sorry you’ve had issues signing up with us.
Unfortunately, we're unable to provide you with a credit report.
You might be interested to know that you're entitled to get a £2 statutory credit report from any of the credit reference agencies: https://www.equifax.co.uk/Products/credit/statutory-report.html
We appreciate your interest in ClearScore and apologise for any inconvenience.
Many thanks,
Lauren
Lauren
Customer Operations
ClearScore0 -
Website isn't offline - they're working fine.
Also stat. reports are now free.0
This discussion has been closed.
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