Clearscore (Experian)

[jadex]

Hi All,

As Clearscore offer free credit report based on Equifax data (sort of Noddle - Callcredit partnership), I am inclined to see what they have on file against my name - I have Noddle already and check it regularly every month.
However, my concern is about sleeping dogs, etc.
Last year (5 years after starting my UE journey) I had to obtain copies of my credit files from both Experian and Equifax and, although I cannot prove any connections, shortly after that (3-4 weeks top) got a number of letters from DCAs "wishing me well".
It was in December so it might be as well Xmas bonus hunting rather than me nudging them by requesting credit files.

Anyway, as am edging towards SBs (last payment in the first half of Dec 2009), should I hold on my urge and DO NOT register with Clearscore?
Or are they really good guys and do not share data with anyone (as they say themselves) but then who would believe / trust CRAs?

My curiosity tells me: go on, register, check it out.
My conscious tells me otherwise.

[Never-In-Doubt]

Re: Clearscore (Experian)

My conscious tells me otherwise.

Exactly my thoughts

Noddle has the same data - why mess about?

[Riz]

Re: Clearscore (Experian)

It's an Equifax 'report' they provide, not Experian.

Checking your report can trigger an alert to creditors if any of them are subscribed to the CRAs various tracing and alert services, and something on your report request - especially things like new addresses - causes an update of the sort they have asked to be alerted for.

In short, unless you have an overriding reason to check, leave well alone.

[SaltnVinegar]

Re: Clearscore (Experian)

Last year (5 years after starting my UE journey) I had to obtain copies of my credit files from both Experian and Equifax and, although I cannot prove any connections, shortly after that (3-4 weeks top) got a number of letters from DCAs "wishing me well".

Its not a coincidence, its possible to 'flag' accounts to DCA's where debtors check their scores, or inadvertently update their information (such as address)

Anyway, as am edging towards SBs (last payment in the first half of Dec 2009), should I hold on my urge and DO NOT register with Clearscore?

See above - I'd personally stay below the radar being that close to becoming SB

[Never-In-Doubt]

Re: Clearscore (Experian)

See above - I'd personally stay below the radar being that close to becoming SB

Plus who cares about SB? Once it's gone - that's ultimately ALL that matters.

[panther12]

Re: Clearscore (Experian)

I'm not very impressed with Clearscore. The other half signed up with them and it doesn't show half the data or Defaults that's on Noddle. According to them everything is rosey yet still a crap score of 280 out of 700.

Positive
12

You have no Court or Insolvency data

You have no accounts in Default or Repossession

You have been on the Electoral Roll at your current address for a long time

You have made very few applications for credit in the past year

You have held at least one of your accounts for several years

You have very few / no accounts in arrears

Your largest credit card limit is relatively high

You have stayed within your credit card limit in the past year

Your total credit card % utilisation is relatively low

You have very few / no secured loans or mortgages that have been in arrears

Your current Telecoms balance is relatively low

Your total mail order % utilisation is relatively low

Negative
0

What a load of ballcocks

[lookingforward]

Re: Clearscore (Experian)

I got as far as entering my email address before deciding to quickly check on here before going any further which is when I found this thread.

I didn't go any further once I read this but still this morning I get an email saying "credit scores should be free, yours nearly is" I didn't open it.

Note to self Never put in email address unless happy to be contacted"