Good shout. Will try.
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Nope automatically can’t find my file.
Interestingly they also seem confused with TransUnion information
WHICH IS IT? 
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All out of ideas except moving home 
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I’m resigned to it never showing really. I wouldn’t trust customer support to be able to help at all for it.
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Yes, back when I also had ClearScore and before Experian withdrew from all third party apps. Then I cba with the constant notifications for incorrect changes in my report so I booted both ClearScore and Monzo credit score display. 
PS: Found the Monzo Credit thread.
Mine shows my credit cards and bills but my score never seems to change on Monzo . Always the same number score and always saying no changes even though my bills always fluctuate every month . Sometimes bills are even paid before my score is due and stilL no changes.
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FCA aims to close gaps in borrower’s credit files
The FCA is consulting on designating certain credit reference agencies (CRAs). If a lender shares credit information with one designated consumer CRA, it would be required to share it with them all.
The changes aim to close gaps in consumers’ credit files and ensure these more accurately reflect people’s financial circumstances.
Might as well just go for gold and create one overall credit file.
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Yes, and kick Experian out. 
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I would say it’s time for a new reference agency, ideally one that isn’t owned by a US company too.
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I’d make it government run. And no scores; just a place where you can see all your financial information in one place and banks can see it to make decisions.
And free. It’s our data.
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But what about ‘free markets’ and ‘competition’ all that lovely stuff we’ve been promised since the 1980s?
BTW I am totally onboard and I would also bring back the Girobank
Like in China? Where you can find social scoring can unbank you.
No, nothing like that. I don’t think what I said suggested that either.
I don’t believe a US company should be the way in which British citizens are “scored” for access to basic financial services, for credit, for housing.
I believe if a credit report system should exist then it should be a UK company, and ideally actually non-partisan, secure government data that financial companies can access and we can access.
No scores. Just data. Available to you and to companies, secured by the government and with legal guarantees.
Nothing like China’s social credit system. I don’t actually see how you got there from what I said.
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This makes sense to me. Having 3 reference agencies seems like overkill in the first place, but if they’re all going to have the exact same data then it does seem redundant to have 3, because what would one offer that the others don’t?
It does seem strange to me that it’s something you have to pay for with Experian. It’s your data, and fairly essential to various aspects of your life, so having to pay for full access to that has always seemed a bit odd. There should be no reason we can’t have a standardised UK run service for this like you’ve outlined.
I don’t mind still having a score to serve as a broad representative guide of how you look to lenders, but it should be much clearer exactly what contributes (and what serves as a detriment to) the score.
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The problem is that if there is only one credit agency and they get it wrong (which happens), then you have a major problem. If there are multiple ones, it’s less of an issue if one gets it wrong.
A version of social scoring has already been hinted at with the central bank digital currency, though that’s a different discussion.
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It’s easier - one place. It’s not scoring, it’s just literally a report of your credit agreements.
If something is wrong, you can see right away. You don’t need to subscribe, or know which US company to look at.
You contest it literally the same way you do now.
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Absolutely. Think of it less as a credit reference agency and more as an official registrar or repository of your own data that you consent to share and it makes perfect sense.
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The issue I have with one central repository is that when they get it wrong, it can be major hassle getting it corrected. Twice now I’ve had that with central government agencies and in both cases it was many months to correct it. I agree that one place sounds good, but when the one place makes a mistake, it can be really hard to fix. Someone on here had an issue with a central credit place and it took him years and a lot of effort to get it fixed.
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