It appears that there are a number of companies now sending out emails offering 10 day free trials and access to your Callcredit report.

After giving your details you are then spammed with offers of Payday loans and even could be told that you have been approved.

The initial email will look like this;

View your 2011 Credit Report & Score in 60 secs - £0 Trial

Wednesday, 16 November, 2011

"Free Credit Report"

Call Credit Report is free for the duration of your 10 day trial membership

Programme provided by Adaptive Affinity Limited, a company registered in England and Wales with company number, 5493004, and having its registered office at Cavendish House, 369 Burnt Oak Broadway, Edgware, Middlesex, HA8 5AW.

Credit Report Access provides you with the tools you need to access and monitor your financial/credit information including access to your Callcredit credit report. Credit Report Access and Adaptive Affinity are not credit information service providers and do not receive fees for such services, nor are they credit reference agencies, or consumer credit, consumer hire, credit brokerage or debt-adjusting, debt-counselling, debt-collecting or debt administration organisations or businesses. After verification of your identity, your Callcredit credit report is available for Secure Online Delivery in seconds.

Credit report and credit information services provided by Callcredit Limited

After filling in your details you will then get another email

"[email protected]"

To:

your email addy

Dear xxx

Congratulations on taking the first step in protecting your credit history! Quick Credit Score allows you to review your Callcredit credit report and credit rating, and safeguard your personal information. By checking your report you can see what lenders can see about you and how creditworthy you are.

Your Membership ID number is: xxxxxxxxxxxx

You will need your Membership ID and Postcode to log in, so it is a good idea to keep this email for future reference.

To see your credit report, just follow these simple steps:

1. LOGIN – Click here to login.

2. CLICK "VIEW YOUR CREDIT REPORT" -- Complete your personal profile and create a password for your Callcredit credit report.

3. VERIFY YOUR IDENTITY -- Callcredit need to verify your identity before releasing sensitive information held in your credit report.1

4. ACCESS YOUR REPORT -- Your report is now accessible for you to view as often as you wish.

And it's that simple.

So take advantage of your Quick Credit Score benefits during your 10 day trial membership period. If within 10 days you don't feel that Quick Credit Score is for you, simply log in to Quick Credit Score, click "My Account" and follow the link to cancel. Alternatively call us on 0845 026 1094 or email us at [email protected] to bring your membership with Quick Credit Score to an end.

After the 10 day trial, Quick Credit Score will automatically charge the monthly membership fee of £14.95 to the credit/debit card you joined with so long as you remain a member of Quick Credit Score. You will be billed on or after 27/11/2011 according to the membership terms agreed upon and there after each month unless you later contact us to end your membership. Of course you will be notified in advance of any membership fee changes.

We look forward to helping you monitor your credit profile.

Yours Sincerely,

The Quick Credit Score Team

This programme is provided by Adaptive Affinity Ltd, Cavendish House, 369 Burnt Oak Broadway, Edgware, Middlesex, HA8 5AW. Company Number 05493004.

To access our terms of business

1 After verification of your identity, your report is available for Secure Online Delivery.

Quick Credit Score is an online membership programme which provides you with the tools you need to access and monitor your financial/credit information including allowing you direct access to your credit report.

Quick Credit Score and Adaptive Affinity Limited are not credit information service providers and do not receive fees for such services nor are they credit reference agencies, or consumer credit, consumer hire, credit brokerages, debt-adjusting, debt-counseling, debt-collecting or debt administration organisations or businesses. After you provide all details needed to verify your identity, your Callcredit credit report will be available for secure online delivery in seconds.

Credit services are provided by Callcredit Limited

Then this;

There then followed another email 1 hour later

"Application Center"

This email contains information for the following applicant:

First name: xxxx

Last name: xxxxx

Email address: xxxxxxxxx

We reviewed your advance request, and have a couple of questions. Funding can be released in 1 hour once they are addressed.

link to answer further questions (removed)

That's it. You're only a few moments away from finding out how much you might be able to receive.

Thanks for doing business with us.

Regards,

Advance Application Center2870 PEACHTREE RD Suite #117 | Atlanta, GA30305

Followed 2 minutes later with this;

Application Dept"

Dear xxxxx

Our lending partners have reviewed your online application and would like to offer you a payday loan up to £750. You're only 1 step away from being wired the funds you requested. All we need is a little more information from you -- so what are you waiting for?

If you are still in need of emergency funds, visit us here to finalize your request. Don't let another minute go by without securing the funds you need today.

Thanks for doing business with us.

Regards,

Application Dept

2870 PEACHTREE RD Suite #117 | Atlanta, GA 30305

This is clearly a very deceptive business practice.and I am reporting it to the OFT.

postcode HA8 5AW is also the one used by some of the most complained about Payday Loan Companies on this site including Lending Stream..

There are a number of domains these emails are being sent from in my case there have been 3 different ones -but same company

UK Credit Score"

"Free Credit Report"

"Advance Services"

I have had this to, and have written to Call Credit to get

a statement about these contacts, not sure if this is contrived

or something set up by CC,as Noddle will be free always.

The trial seems to be working.

Yes but even if Callcredit are themselves not involved,they should make their position clear,and these companies that are using the free credit report carrot to get your details for the purpose of then offering payday loans should make this clear in their main advertisement.

Hi Martin, I have added this to my ongoing research into

the CRAs for my submission to my MP, any thing like this

is fuel to fire!!!

Yep it sure is.

I am on a little project with the PDLCo's as are 1 or2 other team members.

The number of people having problems with these is escalating.

2 or 3 years ago there was a handful of players all of whome are very well known on CAG.

But in the last 12-18 months there has been an explosion and now there are 100s.

In fact it is not unusual to see a CC licence holder with up to 20 associated companies all offering payday loans under different names.

I recently saw there are at least 300 further ones awaiting decisions from the OFT.

Almost all of the payday loan companies are US and have targeted the UK market.Perhaps this demonstrates and poses many questions.

Being aware of all this,and of course seeing first hand the misery and soul destroying practices from them that we see on this site on a daily basis,absolutely infuriated me when they tried to sell me one after I had only given them my details in the understanding that it was for 10 days free access to Callcredit.

OFT takes action against online subscription operator

135/11 13 December 2011

The OFT has taken action against Adaptive Affinity Limited to address concerns that some consumers were unwittingly signed up to online subscription schemes. In some cases people were incurring total monthly fees of almost £60. Tens of thousands of UK consumers are signed up to Adaptive Affinity Limited's schemes each month.

Adaptive Affinity Limited, the company behind QuickCreditScore, HighCreditScore, CreditScoreMatters, High Street Max, Rewards Now and Rewards First, has provided undertakings which prevent it from engaging in unfair practices or using unfair terms which could mislead people into signing up to subscription services which carry fees.

The OFT was concerned that some customers:

• believed the credit score service was free
  
• did not realise they had entered into a binding contract with Adaptive Affinity Limited and would incur a monthly charge if they did not cancel their subscription during the trial period
  
• thought they had supplied their credit card details for identification purposes to facilitate a credit check, and so were unaware that these details would be used to take monthly payments which ranged from £9.95 to £29.95 per scheme
  
• only discovered that they were being charged for a scheme or schemes when they saw the charges on their bank statements, sometimes after thinking that they had only entered details to claim a supermarket voucher or cashback discount.
  

Adaptive Affinity Limited fully cooperated with the OFT's investigation. The OFT has accepted comprehensive undertakings to address the full range of concerns identified.

Cavendish Elithorn, Senior Director of the OFT's Goods and Consumer Group, said:

'The OFT will take action to stop misleading business practices that develop online which leave shoppers out of pocket. Those that flout the rules risk enforcement action. We will continue to scrutinise the market to make sure that people have the confidence to use and receive the full benefit from the wide range of online services.'

About time but the damage has been done.

I am still getting up to 5 emails a day since I reported this here.

Even unsubscribing makes no difference as there are so many of them.

Is it ever a good idea to join one of these monthly credit score companies? Are you just confirming your personal details with them by applying.

I know that the sun rises every morning and just because it is dark at night doesnt mean the sun has somehow disappeared or is hidden.

The only extra info they get is your email address so use a spare one