Everything you need to know about Crediva (+ 3 tips)
Who are Crediva?
Crediva is one of the four UK credit reference agencies. The other credit reference agencies are Equifax, Experian and TransUnion who provide consumers with detailed credit reports.
Crediva’s main business activity is providing data to businesses in the communications finance, healthcare and insurance sector.
Crediva is likely the smallest credit reference agency in the UK and also supplies data to the other credit reference agencies including Equifax, Experian and TransUnion.
As with other credit reference agencies, businesses who use Crediva are looking to find out the creditworthiness of their consumers. This could be someones mortgage affordbility based on their credit score and history or someones eligibility for a personal loan. Crediva may also be used by other organisations such as rental agencies etc.
To see your crediva report you can request it from Crediva directly or through checkmyfilenow have a partnership with Crediva to provide you with your crediva credit report. Checkymyfile also allows you to see your credit report from Equifax, Experian and Transuniion.
To ensure Crediva and all the other credit reference agencies hold accurate information about you, you may want to take a look at the information Crediva holds about you by requesting your statutory credit report.
The details Crediva may return may include:
- Your full name
- Your current address
- Your past addresses
- Your date of birth
- Your age
- Your credit accounts which are open and those which are closed
- If you are on the electoral roll
- Any notice of correction
- Any court judgements against you which may be recorded on your credit file.
Crediva may be useful to you if you want to investigate or find out such information including:
- Have you been a victim of identity theft
- Have you been refused credit
- Is the data held against you accurate
- Is there any judgement being held against you?
To get your crediva statutory credit report you can simply goon to the Crediva website and request this from them. Crediva will let you know of a timeline in which they must process your request and begin doing so.
Your statutory credit report is a free credit report which you can receive once per year from each credit reference agency. The information on your statutory credit report is gathered from public sources as well as the information which has already been reported to the credit bureaus by third parties such as lenders.
Your crediva statutory report will contain information such as:
- Your personal details
- Electoral roll registration
- Searches made for identity verification purposes in the last two years (available only to you and the Crediva customer who made the search)
- Any public records, court judgements, unpaid debts and bankruptcies
- The information listed above is available to you within the statutory credit report and to authorised Crediva customers (often credit reporting businesses) to assess your credit.
You will have to fill the form on the crediva website and return it back to them via post.
You can also view your crediva credit report on checkymifle.
If you need financial advice and you live in the UK then you could contact the Money Advice service over the phone or via chat for impartial advice.
You can also contact the debt charity “Step Change” if you are in debt and need help.