Hello! I've recently obtained my credit history from Experian Credit Expert, following a loan application being unexpectedly declined (previously excellent credit record) and am now trying to resolve this. It's quite painful! Unwittingly, and just trying to find out what my options might be other than a bank loan, if my credit rating isn't resolved, I pressed the key for "further information" and explanation of the results of this little investigation. Oh, I wish I hadn't! An outfit called Aspire are now hounding me to apply for a loan with them - they are shown as being Experian's "advisers" on loans. They've phoned me five times today (at work, I put them off) but I know they'll phone me again. I don't want to apply for a loan, I thought I'd get some advice online from them. I really should have known better - they've texted me twice as well as phoning. Is this really what Experian are supposed to be doing? I have become completely disillusioned with CRAs as I've tried to resolve my credit position in the last few weeks. No one will do anything quickly, either. They seem to hold differing information about me, too, which hasn't been very helpful.

Hi, new to this forum. Same thing here!!! Not sure how to proceed, as we do actually need a loan and aiming to get rate low as possible as own bank offering stupid APR %. Aspire seem reasonable and aimimg to hlp. I agree that Experian should NOT be doing this, as I di not ask to be directed towards that link and they then phoned. Have to wait and see if it backfires or not

DO NOT GO WITH A LOAN COMPANY WHO CONATCT YOU!

Don't forget the old addage, anything that seems too good to be true probably is!

Not had dealings with them, but have you Googled them? Do they ask for an upfront fee?

Getting strange calls myself after taking Equifax on for mishandling my data (Check your table 1 searches and get back to me if any of them are from a DCA).

HB

Read on hear recently that CRA's are selling details, and intend to look into it further.

DO NOT GO WITH A LOAN COMPANY WHO CONATCT YOU!

Don't forget the old addage, anything that seems too good to be true probably is!

Not had dealings with them, but have you Googled them? Do they ask for an upfront fee?

 

Getting strange calls myself after taking Equifax on for mishandling my data (Check your table 1 searches and get back to me if any of them are from a DCA).

 

HB

 

Read on hear recently that CRA's are selling details, and intend to look into it further.

We cannot hide from even the credit scorers eh?? They seem to look for loans based on your Experian score? i couldn't see anything underhand with how they operate, and it seems that you are under no obligation to proceed with any loan. Also, as they 'appear' to be promoted by Experian I don't believe that a credit agency with this amount of clout would risk their reputation gambling with Aspire if they used underhand tactics......i may be very wrong however! I tried to post theaspire link but apparently being new to this site I have to post a certain amount of times before it will allow me to do so

Cheers!

certainly dont go with them

register yourselves with tps gentlemen.

dx

I must admit, Experain do seem to be the most proffesionial of the 3 CRA's, but they also appear to be passing details on to a loan company!

Sadly our data isn't OURS, it is a sellable commodity, and data is used for all sorts of things.

Even before you are born there is data about you, from the time your birth person (apparently a new PC name which can encompass surrogate mothers (paid and unpaid) and all other eventualities) first attends a clinic when they are expecting you - and when you are actually born not only is the data file set up you also have other records set up. It is a very easy area to get paranoid about, and a very easy area to be complacent about.

Experian are unregulated, unlicenced and uncontrolled and therefore they should NOT have such a hold on society as a whole as they do.

Rant over for today!

If any company contacts you from a contact from Experian the route to go is to complain to Trading Standards and the Information Commissioner and the Ministry of Justice, that way a file will be built up on this unregulated, unlicenced activity and if enough people complain then they will have to do something.