If you have a Capital One credit card you can also get your Equifax information and I believe if you have a Barclaycard you can get your Experian score.
Thanks, I didnāt know that. What I actually meant was, an overall picture of who reports to where. I should have been clearer.
I have a good rating with 2 out of 3 of them but the 3rd is much lower. The only difference seems to be their lack of knowledge about my record of long term credit. So presumably if I applied for say, a new mortgage thereās a 1 in 3 chance that the lender will look at Noddle and turn me down
Every lender has their own criteria to judge someoneās creditworthiness. The headline rating shown to us by credit reference agencies are not not useful and lenders usually donāt even look at those.
Equifax
Equifax fined by ICO over data breach that hit Britons http://www.bbc.co.uk/news/uk-england-essex-45574163
Thatās really helpful, thank you
Not sure if anyone knew that there is a fourth Credit Agency now - http://www.crediva.co.uk/statutory-credit-report/
Not applied to them so donāt know what info they hold. I think your Statutory Credit Report is free now following GDPR though.
Do we know if there are any plans for Monzo to report to other agencies?
I would recommend against using these as they rely on scamming & advertising to make their money, which can especially affect the most vulnerable who might be conned into signing up for one of the advertised ādealsā.
Instead just request a statutory credit report from the CRAs directly. By law they have to provide it to you for free or an insignificant fee (last year I believe it was around 2Ā£, but now at least Equifax gives you free statutory reports online) and it isnāt tied to any advertising or anything. Itās also a bonus since they give you the raw data a lender actually sees instead of meaningless & misleading score.
So again, reviving an old thread as it might be the most fitting place
Today I got an alert from ClearScore about recent soft searches. I went to look and there are a bunch of insurance quotation searches from yesterday (all for companies I donāt recognise + Aviva) and a couple of searches from 118118 Money (is that what theyāre called?) from two days ago
The problem is, I didnāt make any of themā¦ should I be concerned?
Could you have used a service like clearscore marketplace that likes to do soft searches to show you what you are eligible for? They tend to cause a lot of soft searches on the same day.
I had a look on MSE on Saturday but that was for credit cards, not insuranceā¦
They are the likely cause then, maybe you missed an opt out or they just do everything?
Do you have a car insurance renewal coming up soon and have you used a service like Compare the Market or GoCompare? They sometimes save your details and run price checks to try and get you to use their service again.
118118 do credit cards. I had them on mine once and I had no idea why, and I had done any searches either.
Clearscore were sort of useless and just assured me it wouldnāt affect my credit score. Which kind of was not the point.