CRA's and proving your identity

[lickthewallfatboy]

whenever you S.A.R - a CRA,they make you jump through hoops to prove your identity with utility bills,passports etc etc....

well,paypal have just announced a prepaid debit card and in the t&c's they state this....

" We may obtain information about you from credit reference agencies to verify your identity."

exactly how are they (CRA's)going to manage that when they won't give you your own data unless you comply with stupid conditions when you write to them?

[Gez]

Unfortunately, the Information Commissioners Office will do nothing about it either. If you want your data, you gotta give em what they ask for.

I ended up sending a scanned passport & the 2 original bills/statements. I can tell you that Callcredit just complied after sending just the letter, no ID.
Experian & Equifax refused until they got the ID, Experian in particular were quite stroppy.

Now, even after this, Equifax are still refusing unless I fill in & return their "S.A.R - (Subject Access Request) application form" which is basically just an irrelevant questionaire. They claim I haven't given them my DOB, confirmed current address for the last 6 years e.t.c.
The DOB is on the damn passport. I simply send them a letter saying send the info before the end of the 40 days or you'll be paying court fees..

[Jesteruk]

If you apply online for your CR file all they ask is questions about file
for example
When did you take the loan out with "black horse"
What company recieves a payment of £54.66 per month

I had about 6 questions to comfirm my identity.

You could reply saying that due to current threat of ID theft even with recorded delivery, you are unwilling to provide such data through an unsecure service. Ask them to ask you questions about your file and the credit you hold.

Might work!