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  • FIRST POST
    • benten69
    • By benten69 27th Oct 16, 2:13 PM
    • 235Posts
    • 1,273Thanks
    benten69
    Experian Credit Score FREE Forever???
    • #1
    • 27th Oct 16, 2:13 PM
    Experian Credit Score FREE Forever??? 27th Oct 16 at 2:13 PM
    I'm already with Noddle (Call Credit) and ClearScore (Equifax), so was looking to see if Experian had a free service also, but not just a free trial.

    On my searches I found this from the 14th Sept 2016....

    http://www.experian.co.uk/blogs/consumer-advice/experian-credit-score-free-forever/

    Clicking on the links in there takes you here....

    https://www.experian.co.uk/?sc=701845&bcd=BLEX2

    So before I jump the gun and sign up, is that right...is it really free for life from Experian now? Just like Noddle & ClearScore??

    What they say is....

    CreditMatcher is a completely free service which allows you to:
    *Check your Experian Credit Score for free – forever
    *Check your Experian Credit Score as often as you like – this is available monthly
    •Search for Credit Cards and Loans matched to your credit information
    •Compare credit card and loan deals you’re more likely to get be accepted for
    •Compare mortgages from a range of providers

    CreditExpert provides a number of features and benefits in addition to those provided by CreditMatcher:
    • Access to the Experian Credit Report
    • Score Factors to tell you specifically what’s impacting your Experian Credit Score
    • Guidance on how to address any negative factors
    • Credit alerts which alert you if certain parts of your Experian Credit Report change
    • Web Monitoring and alerts if we find possible misuse of your personal details online
    • Access to help from Experian’s award winning UK based call centre
    • Dedicated support from one of our expert case workers if you become a victim of fraud
    So the new CreditMatcher service is free which they get money from when you use their service to take out new loan, but just like ClearScore & Noddle you don't have to use these extra "facilities".

    Be really handy if it was. Free credit reports from all 3 companies for free for life!!
    Last edited by benten69; 27-10-2016 at 2:18 PM.
    SPC9 #408 - £200.39 | SPC10 #408 - £121.22
    3-6 Month Emergency Fund Challenge #62 - 70.7% Complete
    Mortgage Sept '15: £161,250 | June '17: £154,432.16

Page 1
    • sourcrates
    • By sourcrates 27th Oct 16, 2:18 PM
    • 11,882 Posts
    • 11,390 Thanks
    sourcrates
    • #2
    • 27th Oct 16, 2:18 PM
    • #2
    • 27th Oct 16, 2:18 PM
    You have to sign up to there "creditmatcher" service, which probably means been bombarded with sales calls, emails etc

    If you can cope with that, then this is a service for you.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. I'm a volunteer to help the boards run smoothly, and I can move and merge posts there.
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Legal advice see : http://legalbeagles.info/
    • benten69
    • By benten69 27th Oct 16, 2:31 PM
    • 235 Posts
    • 1,273 Thanks
    benten69
    • #3
    • 27th Oct 16, 2:31 PM
    • #3
    • 27th Oct 16, 2:31 PM
    You have to sign up to there "creditmatcher" service, which probably means been bombarded with sales calls, emails etc

    If you can cope with that, then this is a service for you.
    Originally posted by sourcrates

    Also appears they only give you your score which is meaningless. Not your actual credit report....
    SPC9 #408 - £200.39 | SPC10 #408 - £121.22
    3-6 Month Emergency Fund Challenge #62 - 70.7% Complete
    Mortgage Sept '15: £161,250 | June '17: £154,432.16

    • Candyapple
    • By Candyapple 27th Oct 16, 2:45 PM
    • 2,265 Posts
    • 1,718 Thanks
    Candyapple
    • #4
    • 27th Oct 16, 2:45 PM
    • #4
    • 27th Oct 16, 2:45 PM
    If you want your Experian "score" for free, Barclaycard offer it as a free perk for having one of their cards - however it's only updated every 2 months. It's only the score and not the report.

    MSE's Credit Club also offer Experian's score, however this is monthly. Same as Barclaycard it's only the score and no report. However apparently MSE are looking to offer a free Experian report in time.
    http://www.moneysavingexpert.com/news/loans/2016/09/the-totally-free-unique-mse-credit-club-is-launched

    However, the scores from Barclaycard and the scores from MSE Credit Club can vary massively (look at recent threads on this board).
    • Allouicious
    • By Allouicious 15th Sep 17, 11:30 PM
    • 1 Posts
    • 0 Thanks
    Allouicious
    • #5
    • 15th Sep 17, 11:30 PM
    so what is best overall option?
    • #5
    • 15th Sep 17, 11:30 PM
    so Candyapple what is best overall option? (or two)

    (you seem to know what you're talking about!)
    Last edited by Allouicious; 15-09-2017 at 11:31 PM. Reason: name to reply to
    • RG2015
    • By RG2015 16th Sep 17, 8:35 AM
    • 297 Posts
    • 106 Thanks
    RG2015
    • #6
    • 16th Sep 17, 8:35 AM
    • #6
    • 16th Sep 17, 8:35 AM
    This has changed since the original post regarding free access to credit reports. The MSE Credit club give you your full Experian credit report which is updated once a month.

    Clearscore has your full Equifax report updated monthly as do Noddle for the third credit reporting agency, Callcredit.

    Also, now, Giffgaff provides a full credit report from Callcredit that is updated every day for free. This has limited search information though as the banks use Callcredit far less than they use the two larger agencies.
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