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  • Buy-to-Let

    Will this affect my credit?

    Just contact EDF and threaten to refer the matter to the ICO.

    That will make them back off and remove the CCJ.

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    I cant imagine them being in any hurry to assist which is why i suggest setting aside the CCJ. Tell them that if they dont pull their finger out you will apply to set aside the judgement and bill them for the court fee. See what they say.

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    I'll say it again for the advice of everyone.

    You do NOT need Statutory  reports for Equifax or Callcredit

    Noddle  is Callcredit

    Equifax is Clearscore

    These are FREE

    The ONLY Statutory  Report required is from Experian.

    You can work the system by signing up for a free  trial of creditexpert.com

    Which  is experian.

    Thereafter £2 will be required for the Experian report.

    At sometime very shortly Clearscore is being bought by Experian.

    That will presumably mean Equifax will no longer be used by Clearscore  and so it will be the Equifax report that will need to be paid for.

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    Hi...I think it is now possible to access Experian credit report via MSE creditclub


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    Best Regards, Akai

    No it isn't

    You only receive  very basic experian data.

    It is inadequate.

    You would need a Statutory Report.

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    Hi Paul...Not sure whether you tried it recently, it looks like the full report with below details,

    Personal Info, Credit Balance, Credit Account details including closed ones, Current accounts, Mobile accounts,  Search History, Financial Associations, Linked Addresses, Electoral Register, Cifas etc...mine has got a total of 42 pages.


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    Best Regards, Akai

    I am a member of the Club and I do not recollect being able to access such information.

    But then I accept things might have changed since I last used the service.

    I have 32 pages of credit report; both sides.

    It would be great if MSE had full experian report details.

    But of course I doubt this is the case as this would affect the creditexpert service of experian.

    Why would anyone pay for that service if MSE provides it for free.






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    I have just been to the club and it allowed me to access my full Experian report, well as full as to be expected. It only shows one of my current accounts and doesn't show my credit card. Probably because I opened the other account and got the credit card longe before the started  asking for permission to share data,

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    Looks like they started doing this since Feb'17

    https://www.moneysavingexpert.com/news/ti...it-report-

    ' Today we add the biggest piece of the jigsaw, the full Experian Credit Report, so you can now interrogate point by point what lenders know about you.'

    and they are planning to make money by...

    ' How can MSE do this for free? Currently, frankly, it's costing us a substantial amount of cash. But it's something we believe in. In the long run, the hope is when people want to apply for a credit product (if it's right for them) they'll use Credit Club to see their chances of acceptance and click through via us, which means we may be paid by the provider. '

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    Best Regards, Akai

    Interesting

    I seem to recollect that the info MSE are able to provide is NOT the same full info that

    a Statutory Report will provide.

    I will need to check all my credit files soon as I need to confirm details have dropped off my CRA files.

    But I accept that the MSE info may be the full Experian details that only the subscription experian service provides but I doubt it.

    Obviously the SR only shows account info and no credit scores etc.

    Only the creditexpert service provides that.

    As in the USA access to ALL credit files with ALL CRA should be available for FREE.

    This would facilitate many consumers to correct their invariably INCORRECT files.

    .Consequently many lenders would actually find that more credit applications would be successful and be far more profitable for them.

    CORRECT credit files are sadly a fundamental prerequisite for this modern life.

    Citizens should ensure they are CORRECT irrespective of whether it is negative or positive information.

    So far I have spent 3 months this year trying to ensure both lender and CRA correct INCORRECT info.

    Very soon I will have to refer the matter to the ICO!!




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