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Online Credit Reports for just £2

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https://www.gov.uk/government/news/online-credit-reports

 

 

 

Consumers can now view their credit reports online for just £2 following an agreement with the three major credit reference agencies.

 

 

Victims of ID fraud and the financially vulnerable will get free access to their reports.

 

Consumer Minister Edward Davey said:

 

“These are highly beneficial changes. All consumers now have easier access to their £2 statutory credit reports, with victims of ID fraud and the financially vulnerable receiving free and immediate access to their reports. These significant improvements will help consumers take better control of their finances.”

 

Previously, £2 credit reports were only available via post and took up to seven days to arrive.

 


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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Good find Ford.. full of CYA scenarios though, which is expected from the Information Commissioner !


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Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Good find Ford.. full of CYA scenarios though, which is expected from the Information Commissioner !

 

cheers.

had to look up 'CYA'! am i behind the times..or 'wot' (ban that word). :)


IMO

:-):rant:

 

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So you know what it means now, yes :lol:


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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santander buys into onliner checkmyfile

'The Cornwall-based holding company of several international credit reporting websites has plans for international expansion after securing funding following management buy-out. Credit Reporting Agency (Holdings) Limited secured the funding from Santander to grow internationally......'

http://www.westernmorningnews.co.uk/Cornwall-Credit-Reporting-Agency-announces-global/story-28413309-detail/story.html


IMO

:-):rant:

 

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'WebDetect'? not sure about that...?

'Equifax, one of the three credit reference agencies (Callcredit and Experian being the other two), offers a service called WebDetect, which claims to trawl the “dark web” to find your personal information....'

http://www.telegraph.co.uk/finance/personalfinance/bank-accounts/12161003/How-to-see-if-your-data-is-being-sold-on-the-dark-web.html


IMO

:-):rant:

 

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'When did fouling up someone’s credit rating without any justification become so easy?..'

not someones debt

hoist company no longer registered with fca, to avoid

http://www.mirror.co.uk/money/debt-collectors-chased-man-twice-7433445

 

Yes but someone in the Hoist group will have FCA IP to continue Debt Purchase etc.


 

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“We have since apologised to the complainant and are reimbursing the cost of the credit report he purchased to confirm his identity,” Robinson Way added.

 

Bless em:-)


We could do with some help from you.

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am not up to speed,

which is seen as the best free credit file checker to use now.

one that will also show basic searches etc. ie a full report.

and without much spam after signing up.

thanks


IMO

:-):rant:

 

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Well problem is that not all companies use all 3...

 

Id Say -

Noddle

Clearscore

MSE / Credit Club

 

Each links to their respective CRA Company


 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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hi

thanks

just now having a look at your sticky cra guide. :)


IMO

:-):rant:

 

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