Experian, one of the UK's two credit-reference agencies, have just sent me a marketing message asking me to sign up for their online CreditExpert service. In the email, they reference the loss of millions of child benefit records as a good reason to do so. The CreditExpert service allows you to access your credit reference for a 'small' £70 annual fee.
I've got to say, I find the timing and pitch of this email to be a little cynical and quite distasteful.
I'm not against encouraging people to check their credit record on a regular basis. Indeed, this is advisable (I do it). But it is possible to get paper records for just £2 a time, instead of paying £5.99 a month for the priviledge of accessing data held about you.

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