[Jaymoss]

Originally Posted by joglynne

I never even knew about Credit scores until June 2022 when I received a credit card from a bank I didn't, and had never, used. I contacted that bank and found that someone else had applied for it and that I was a victim of an Identity Theft attempt and was advised to contact CIFAS.

Very worrying when I contacted CIFAS and, few days later, they provided details of several other identity theft attempts. Most had been denied by the institutions involved as the person targeting me didn't have the right information.

Even with a 2 year Protective, red flag, Registration monitored by CIFA I still felt the need to check in case it happened again and was introduced to the Credit Rating companies TransUnion and Credit Karma by my son. Lately MSE have developed a combined overall Credit Eligibility Rating site which gives a more comprehensive insight and this now lets me know what's been happening each month by email.

I do check my bank and investment apps regularly ....(errrr weekly) but that's because I'm elderly. ��

MSE used to have access to your Experian but now switched to TransUnion. As far as I am aware the only way to get full Experian access is through them and it costs . You ideally need to know all 3 scores and monitor them Clearscore shows you Equifax MSE and CreditKarma gives Transunion and Experian gives you experian . Not all credit all applications/payments/updates/etc report to all 3