On: EU regulations on algorithmic decision-making and ...

[dublinben]

This is exactly why you are legally entitled to receive a copy of your credit report every year. You can challenge anything on it, and have incorrect information removed.

[jerf → dublinben]

When mentioning this, I find it helpful to include this page: https://www.ftc.gov/faq/consumer-protection/get-my-free-cred...

If you are one of the people just finding out about this today, and you Google "free credit report", you come up with a loooot of bad, scammy links. This is how you get your legally-mandated, really free, annual credit report, starting from an ftc.gov address so you know it's really the right one.

[sshumaker → jerf]

Credit Karma is legit and free. Also gives you your credit score and credit monitoring (all free).

(Disclaimer: I work there).

[dublinben → sshumaker]

To be fair, the credit score (VantageScore 3) you provide is not the credit score (FICO) most people are interested in, and that is used for most credit decisions.

[phkahler → sshumaker]

So how do they make money? Who pays you?

[phkahler → dublinben]

That had to be made explicit in law precisely because the companies don't want you to have it.

[zoner → dublinben]

Not in the EU (or at least not in The UK where I currently live).

[asherkin → zoner]

Yes you are, it'll cost you £6 in processing fees to go to all 3 agencies.

http://www.experian.co.uk/consumer/statutory-report.html

https://www.equifax.co.uk/Products/credit/statutory-report.h...

http://www.callcredit.co.uk/consumer-solutions/your-credit-r...

You can alternatively use the free online services:

Noddle use data from Callcredit, and Clearscore use data from Equifax - I don't think there is a free service exposing Experian data.