Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
Page 1
    • Gary_Dexter
    • By Gary_Dexter 14th Sep 18, 1:44 PM
    • 2,098 Posts
    • 1,177 Thanks
    Gary_Dexter
    • #2
    • 14th Sep 18, 1:44 PM
    • #2
    • 14th Sep 18, 1:44 PM
    Information should be available for free anyway - there's no reason to charge for it
    • Ben8282
    • By Ben8282 14th Sep 18, 6:22 PM
    • 2,402 Posts
    • 1,101 Thanks
    Ben8282
    • #3
    • 14th Sep 18, 6:22 PM
    • #3
    • 14th Sep 18, 6:22 PM
    Your question in itself shows a lack of understanding of how CRAs operate.
    I don't check my credit score because I know full well that it is a worthless made up number designed to get people with a less than perfect credit history to waste their time and money trying to improve this made uo score.
    I do check my credit files from time to time using Experian because their credit reports are provided to me as part of a packaged bank account.
  • CMA Communications
    • #4
    • 19th Sep 18, 5:02 PM
    • #4
    • 19th Sep 18, 5:02 PM
    Thanks very much for your comments, this is really helpful for our work. We'd love to hear more from people if you have any stories or thoughts that you'd like to share with us. Thanks again and please get in touch if you have any questions.
    Official Organisation Representative
    Iím the official organisation rep for the Competitions and Markets Authority.

    MSE has given permission for me to post. You can see my name on the organisations with permission to post list. If you believe I've broken the Forum Rules please report it to forumteam@moneysavingexpert.com. This does NOT imply any form of approval of my organisation by MSE
    • Mobeer
    • By Mobeer 19th Sep 18, 10:49 PM
    • 1,732 Posts
    • 4,409 Thanks
    Mobeer
    • #5
    • 19th Sep 18, 10:49 PM
    • #5
    • 19th Sep 18, 10:49 PM
    Credit scores are calculated by individual banks, insurers etc, and not by credit agencies. By asking questions like yours you are just propagating a myth.

    Credit agencies should not be allowed to sell peoples own data back to them; if anything they should have to pay the individual to use their data.
    • CLARKR
    • By CLARKR 20th Sep 18, 9:57 AM
    • 17 Posts
    • 5 Thanks
    CLARKR
    • #6
    • 20th Sep 18, 9:57 AM
    • #6
    • 20th Sep 18, 9:57 AM
    I generally use Clear Score however I have signed up to Experian as we are applying for a mortgage
    • Willing2Learn
    • By Willing2Learn 20th Sep 18, 10:07 AM
    • 1,457 Posts
    • 1,106 Thanks
    Willing2Learn
    • #7
    • 20th Sep 18, 10:07 AM
    • #7
    • 20th Sep 18, 10:07 AM
    I would like Experian to streamline their online Statutory Report application process. There should not be a need to wait for a PIN number to arrive in the post. Equifax and TransUnion give you instant access, why should Experian delay access like this?
    I work within the voluntary sector, supporting vulnerable people to rebuild their lives.

    I love my job

    • jimbo26
    • By jimbo26 20th Sep 18, 11:04 AM
    • 476 Posts
    • 277 Thanks
    jimbo26
    • #8
    • 20th Sep 18, 11:04 AM
    • #8
    • 20th Sep 18, 11:04 AM
    I would like Experian to streamline their online Statutory Report application process. There should not be a need to wait for a PIN number to arrive in the post. Equifax and TransUnion give you instant access, why should Experian delay access like this?
    Originally posted by Willing2Learn
    Call me cynical but I think they do it to encourage people to sign up for their paid option.
    • robbo990
    • By robbo990 20th Sep 18, 12:40 PM
    • 130 Posts
    • 173 Thanks
    robbo990
    • #9
    • 20th Sep 18, 12:40 PM
    • #9
    • 20th Sep 18, 12:40 PM
    ClearScore currently show data from Equifax.

    After the merger they may change to use Experian, as it's unknown whether Equifax would be continue to provide access

    Would it have any impact on competition?...... No, there are 3 CRA's all are accessible for free by either MSE(Experian) Credit wise(Equifax), Noddle(CallCredit/TransUnion) and ClearScore(Equifax but after a merger could change to Experian)

    Why do I use their services? You have to use all 3 as different companies report to one, two or all, CRA's so data can be different for each

    What do I think about the services they offer? I agree it should be free to access your data directly with that CRA. Meaningless credit scores should be removed as they have no relevance to how different organisations view your credit worthiness.
    Last edited by robbo990; 20-09-2018 at 12:42 PM. Reason: Change wording
    Official SOS Club number 004 - Dry until (05.01.10)
    • luvchocolate
    • By luvchocolate 21st Sep 18, 7:49 AM
    • 1,643 Posts
    • 1,479 Thanks
    luvchocolate
    Clearscore show no open accounts on my report, Equifax show all my open accounts.....asked them 3 times to update, never happens,
    I do not use Clearscore now
    • nic_c
    • By nic_c 21st Sep 18, 8:35 AM
    • 1,705 Posts
    • 911 Thanks
    nic_c
    Experien do not want you to use the stat report, so make it as difficult they can. People want instant access so may opt to pay or sign up for a trial.

    Equifax reasoning of making it easier probably stems from losing clear score.
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

271Posts Today

2,200Users online

Martin's Twitter