Experian vs. Equifax
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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!0 -
Reaper wrote:
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'0 -
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.0 -
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!0 -
Creation Financial Services (Duet Store Cards) search using Experian.
They log account details with them also.0 -
Sygma Bank (store cards) use Equifax.
:j0 -
Citibank have searched with Experian.0
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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.0 -
Does anyone know which credit card companies, other than Marbles and Cahoot, search only Equifax?0
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