How to obtain credit reports

betyboop wrote:

Can you please help i have a months free trial with experian after receing the report i want to cancel it. i don't know how to

See condition 7(c) at https://www.creditexpert.co.uk/UK/StaticContent.aspx?PageTypeID=TermConditionPopUp&includeHeaderFooter=no

michaels wrote:

Hving been turned down for a stoozing card I requested my Experian credit report.

For the sake of another £2, its always best to get one from Equifax as well, as they are very often different.

michaels wrote:

The report shows that some companies have two entries in either or both of the 'Credit Account Information' and 'Searches' sections for a single product. Is there a reason for these double searches and could they affect my 'score' if it looks at number of searches?

If you mean your credit card is listed twice, then in my (limited) experience, it would be highly unusual to have 2 lots of credit account info for one product as surely both would contain identical figures for limit, balance, payment history, etc?

It's not unusual for double searches, particularly if you've asked for a credit limit increase on a product. Also, be aware that some searches are listed as "unrecorded enquiries". This means that other lenders cannot see these particular searches on your file. They are only visible to yourself (and the CRA).

michaels wrote:

It also shows 5 searches from a couple of car insurance companies where I ran through different quotes when looking to buy a new car - could these 'searches' affect my 'score'?

Again, could these be marked as "unrecorded enquiries"? Lenders are not allowed to search your file without your permission. This permission can usually only be given by the signing of a credit agreement, or nowadays by the ticking of an "I agree" box on an online application form.

michaels wrote:

Finally does anyone know what a sensible number of 'credit agreements' and 'searches' is. Do 'settled' accounts have any impact?

As regards the number of recorded searches, there is probably no set figure as the lenders all have their own lending criteria. Settled accounts look good, especially if they are preceeded by lots of 'o's, ie all payments made on time, and indicate to potential new lenders that this particular line of "available" credit is no longer open to you.

Can I ask a question in return? When you received your Experian report, did you also get an explanatory booklet as I did. I ask because the answers to most of your questions are covered in this booklet. If you didn't get one I think you can read it online at https://www.experian.co.uk.

michaels wrote:

The only one that seems strange odd is 2 mbna searches 6 days apart when I got my virgin card (no credit limit increase requested).

Can't explain this if they're both "recorded". Maybe someone manually searched after an automated rejection?

michaels wrote:

Do you know if it is possible to appeal rejections?

I have!

From : https://www.econsumer.equifax.co.uk/consumer/uk/completeOrder.ehtml


Please enter payment information below if you would like to continue your service after your free membership. If you enter payment information, your credit card will be pre-authorized for £1.00 for verification purposes.


Now , if i was being picky , i`d say that the wording of that suggests i should be able to press submit without filling in any details..

also , i went to section 7 as YB suggested and i cant see HOW to cancel it ? email them ? phone them ?

I have just ordered my £2 paper report from Equifax and i was looking to do the same with experian. I couldnt see a way at all to get just the paper report so i signed for the 30 days free trial (including report) and they are now asking me to send

Two forms of original documentation (e.g. utility bill, bank statement, tenancy agreement, solicitor's letter) dated within the past three months.

Plus a copy of either your passport, driving licence or birth certificate.
to
CreditExpert
PO BOX 7710
Nottingham
NG80 7WE

Is this right and should I send it off?