Experian vs. Equifax

Options
12467…12

Comments

  • Jacster_2
    Jacster_2 Posts: 1,192 Forumite
    Options
    This is a really useful thread.

    I have just ordered my report online from Experian. Cost £2, and should be sent within 7-10 days.

    I went to do the same with Call Credit and Equifax, and was stunned to see their prices.

    Call Credit want £7.50 and Equifax want £11.75 to see my reports.

    Does anyone know if I can still get my report for £2 if I apply by post - can't find any reference to this on their websites. What prices have you paid?

    Thanks!
    If it was easy, everyone would do it!
  • Reaper
    Reaper Posts: 7,283 Forumite
    Name Dropper First Anniversary First Post Photogenic
    Options
    They are not allowed to charge you more than £2 for the basic report, but they do make it hard to find on their web sites. Here is the Experian one and here is Call Credit's.
  • We_Laugh_Indoors
    We_Laugh_Indoors Posts: 981 Forumite
    Options
    Reaper wrote:
    They are not allowed to charge you more than £2 for the basic report, but they do make it hard to find on their web sites. Here is the Experian one and here is Call Credit's.
    glad i saw this, i was just about to ask how to find the online reports.

    all i can ever see is the company trying to get me to do a free trial of something, promptly taking my card details and hoping i forget!
    'What's poignancy grandad?'

    'It's the cordon bleu of emotions sonny'
  • Sarahsaver
    Sarahsaver Posts: 8,390 Forumite
    Combo Breaker First Post
    Options
    I would recommend at least 2 credit reports, because my report from experian is squeaky clean, but on my equifax one my ex husband's name appears as a financial associate (NOT!) which has made a huge difference to me - i.e. been turned down for jobs and a bank account because of this. Knowledge is power!
    Member no.1 of the 'I'm not in a clique' group :rotfl:
    I have done reading too!
    To avoid all evil, to do good,
    to purify the mind- that is the
    teaching of the Buddhas.
  • danjaq2004
    danjaq2004 Posts: 361 Forumite
    Options
    Interesting thread!

    My Equifax is clean and used the £12 (ish) online report thing and this included a credit scrore (they deemed me 444 - good) as well as the report itself.

    Only opted for the £2 jobby from Experian, wonder what they have to say!
  • jimmyjim_uk
    jimmyjim_uk Posts: 552 Forumite
    Options
    Creation Financial Services (Duet Store Cards) search using Experian.

    They log account details with them also.
  • Glowboy
    Glowboy Posts: 175 Forumite
    Options
    Sygma Bank (store cards) use Equifax.

    :j
  • Chris2000
    Chris2000 Posts: 318 Forumite
    First Anniversary Combo Breaker
    Options
    Citibank have searched with Experian.
  • random_2-2
    random_2-2 Posts: 3 Newbie
    Options
    Just thought I'd add something to the forum instead of just taking.

    At present most companies only have 1 link to either Experian or Equifax (Call Credit are new to the industry and so it will take sometime before they accumulate enough data) for making a credit search on applications (eg. searches) and on reporting accounts.

    However, a lot of companies are now toying/implementing systems to deal with both for 2 reasons:

    1) Competition will result in cheaper fees for the company
    2) More accurate results resulting in a "better" decision for them

    More companies report on accounts to both agencies than use them for searches.
  • Bluelady_2
    Bluelady_2 Posts: 18 Forumite
    Options
    Does anyone know which credit card companies, other than Marbles and Cahoot, search only Equifax?
This discussion has been closed.
★ ★ ★ Meet your Ambassadors

Categories

  • All Categories
  • 343.2K Banking & Borrowing
  • 250.1K Reduce Debt & Boost Income
  • 449.7K Spending & Discounts
  • 235.3K Work, Benefits & Business
  • 608.1K Mortgages, Homes & Bills
  • 173.1K Life & Family
  • 247.9K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 15.9K Discuss & Feedback
  • 15.1K Coronavirus Support Boards