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  • FIRST POST
    • realgonekid
    • By realgonekid 9th Aug 18, 8:24 AM
    • 20Posts
    • 5Thanks
    realgonekid
    Crediva- 4th credit reference agency
    • #1
    • 9th Aug 18, 8:24 AM
    Crediva- 4th credit reference agency 9th Aug 18 at 8:24 AM
    http://www.crediva.co.uk
    Ok it's only small but it's worth people knowing about when sending SAR's etc
Page 1
    • Gary_Dexter
    • By Gary_Dexter 9th Aug 18, 9:58 AM
    • 1,741 Posts
    • 1,009 Thanks
    Gary_Dexter
    • #2
    • 9th Aug 18, 9:58 AM
    • #2
    • 9th Aug 18, 9:58 AM
    Yes.

    Been discussed on here before
    • DCFC79
    • By DCFC79 9th Aug 18, 8:42 PM
    • 32,311 Posts
    • 20,322 Thanks
    DCFC79
    • #3
    • 9th Aug 18, 8:42 PM
    • #3
    • 9th Aug 18, 8:42 PM
    http://www.crediva.co.uk
    Ok it's only small but it's worth people knowing about when sending SAR's etc
    Originally posted by realgonekid
    Thanks for that.
    Ill wait to see which lenders use them before I form an opinion
    • Willing2Learn
    • By Willing2Learn 9th Aug 18, 8:50 PM
    • 802 Posts
    • 617 Thanks
    Willing2Learn
    • #4
    • 9th Aug 18, 8:50 PM
    • #4
    • 9th Aug 18, 8:50 PM
    Ill wait to see which lenders use them before I form an opinion
    Originally posted by DCFC79
    I checked their site earlier and discovered they do a statutory report for free. So it is easy enough to find out which credit accounts are listed and who uses them for credit searches.
    I work within the voluntary sector, supporting vulnerable people to rebuild their lives.

    I love my job

    • takman
    • By takman 9th Aug 18, 9:14 PM
    • 3,596 Posts
    • 3,216 Thanks
    takman
    • #5
    • 9th Aug 18, 9:14 PM
    • #5
    • 9th Aug 18, 9:14 PM
    I checked their site earlier and discovered they do a statutory report for free. So it is easy enough to find out which credit accounts are listed and who uses them for credit searches.
    Originally posted by Willing2Learn
    All credit reference agencies have to give the statutory report for free now due to GDPR just like a SAR is free.
    • nic_c
    • By nic_c 9th Aug 18, 9:34 PM
    • 1,615 Posts
    • 878 Thanks
    nic_c
    • #6
    • 9th Aug 18, 9:34 PM
    • #6
    • 9th Aug 18, 9:34 PM
    If you would like to request a copy of your Statutory Credit Report, you will need to print our application form, complete and return it to us.
    So its now free, it has to be under GDPR, but they are not making it easy!
    Equifax apply online, view straight away
    Experian apply online, sent a code through the post so can view online (or hardcopy sent)
    callcredit apply online but have to give a credit card number for verification
    • T-G-C
    • By T-G-C 11th Aug 18, 4:06 PM
    • 314 Posts
    • 121 Thanks
    T-G-C
    • #7
    • 11th Aug 18, 4:06 PM
    • #7
    • 11th Aug 18, 4:06 PM
    Just what we all need, another privatized credit information bureau for lenders to feed data to and from. I also despise the intentionally difficult data retrieval process to entice people to purchase INSTANT access to their "partner" who they undoubtedly receive financial incentives from.

    Security doesn't matter in that case people, as long as you pay the 14.99 fee for CheckMyFile, you can access YOUR personal information straight away, without the need to wait for postage under the FREE SAR!
    All advice provided is intended for guidance purposes only. For specialized debt advice, please contact either National Debtline or StepChange.
    • sparkey1
    • By sparkey1 13th Aug 18, 10:39 PM
    • 424 Posts
    • 182 Thanks
    sparkey1
    • #8
    • 13th Aug 18, 10:39 PM
    • #8
    • 13th Aug 18, 10:39 PM
    Crediva is not a credit reference agency that reports credit information in the same way as the other three. Ie It wont tell anyone your credit card usage.

    It assesses credit, by other means. Examples are

    Checks if the subject is on a sanction list?
    Are they a politically exposed person?
    Are they reported as dead?
    It does take court information into account.
    It does take electoral roll data into account

    In other words, not the average consumer credit assessment. It wont have a history of late payments on its reports for example.
    • nic_c
    • By nic_c 14th Aug 18, 7:31 AM
    • 1,615 Posts
    • 878 Thanks
    nic_c
    • #9
    • 14th Aug 18, 7:31 AM
    • #9
    • 14th Aug 18, 7:31 AM
    Are they reported as dead?
    Originally posted by sparkey1
    So anyone who has moved their account away from TSB may want to check then
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