Do Your Own Debt Consolidaton And Save! Know Exactly When You Will Be Out Of Debt, And Sooner Than You Think. No: New Loans, Credit Checks, Monthly Fees, Discussing Your Situation With...
Free credit report from Creditexpert/experian
Jun 29th, 2008, 4:11pm
As some of the old (sorry ! ! long) timers may remember, I came to DHUK a few years ago when I went into financial difficulty.
Earlier this week, I decided to brace myself & have a look at my credit report. I was very surprised to find that there is nothing on it. Nothing at all. Are there 2 levels of report or is this it ?
I have 2 credit cards 1 with a nil balance & 1 with approx 1,100 & neither of those are mentioned & neither is my current account even though I have used my agreed overdraft. I pay the cards at above the minimum & have no late payments thanks to Direct Debits.
My credit rating comes up as "Fair" at the moment. I am not looking for credit but was curious to see where I stand now.
Does anyone know if this is the full picture ?
Cathyann
plumduff
Administrator
Re: Free credit report from Creditexpert/experian
Reply #1 - Jun 29th, 2008, 10:05pm
Hi Cathyann
There are 3 providers of credit reports and each lender decides which one of these to update.. So yuo could get one report which looks clean whilst another firm will have the details you know should be on it..
Experian seems to be the most popular, but Equifax and CallCredit also provide reports.. M\aybe wise to get yours from all 3 to ensure the details arent held elsewhere..
ninetofive
Newbie
Re: Free credit report from Creditexpert/experian
Reply #2 - Jun 29th, 2008, 11:19pm
Quote from plumduff on Jun 29th, 2008, 10:05pm: Hi Cathyann
There are 3 providers of credit reports and each lender decides which one of these to update.. So yuo could get one report which looks clean whilst another firm will have the details you know should be on it..
Experian seems to be the most popular, but Equifax and CallCredit also provide reports.. M\aybe wise to get yours from all 3 to ensure the details arent held elsewhere..
Credit Ref Agencies & Info Feb 3rd, 2006, 11:07pm Experian Ltd Consumer Help Service PO Box 8000 Nottingham NG80 7WF Tel No 0870 241 6212 www.experian.co.uk (You can order your credit file on the internet or by telephone).
Equifax Plc Credit File Advice Centre PO Box 1140 Bradford BD1 5US Tel No 0870 010 0583 www.equifax.co.uk (you can order your credit file on the internet)
Callcredit plc Consumer Services Team P O Box 491 Leeds LS1 5XX Tel No 0870 060 1414 www.callcredit.plc.uk
cathyann
Topic Starter
Full Member
Re: Free credit report from Creditexpert/experian
Reply #3 - Jun 30th, 2008, 1:28pm
Thanks for that. I will contact Equifax & Call Credit today.
My daughter has also had to look at her credut files recently as she is a single Mum & her fixed rate mortgage comes to an end soon. She managed to get a good deal with Abbey only for them to then turn round & refuse it. Her Financial Advisor advised her to look at her credit files & the only thing we can find is a default registered by British Gas which must be from a dispute she had with them years ago. The default is for 39. Fancy being refused just for that !
Am just praying she doesn't have to go sub-prime for her next mortgage as she works 2 jobs already.
Cathyann
cathyann
Topic Starter
Full Member
Re: Free credit report from Creditexpert/experian
Reply #4 - Jul 2nd, 2008, 5:33pm
Just an update for anyone who may have been wondering what has happened with regard to my daughter's mortgage. Her financial advisor had not managed to find her another deal so in desperation she rang her existing lender to find out exactly what she would have to pay once her fixed rate deal ends & at first it looked as though she would have to pay quite a hefty increase. Anyway, she then gave them the details of the offer from Abbey & they almost immediately agreed to match it ! ! I guess this raises questions about the skills (or lack thereof) of her advisor. How on earth can you tell a good one from a bad one? He seemed to be registered with the FSA but for future reference we obviously need to be a lot more careful in how we choose who to trust with such important decisions.
Cathyann
RedMoFo
Newbie
Re: Free credit report from Creditexpert/experian
Reply #5 - Today at 1:45am
Be careful if you do their online report as you have to give your CC details. Make sure you cancel the service within a month or you'll be charged a monthly fee!
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