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    • raphanius
    • By raphanius 16th Jun 17, 7:39 PM
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    raphanius
    Checking my credit file
    • #1
    • 16th Jun 17, 7:39 PM
    Checking my credit file 16th Jun 17 at 7:39 PM
    Someone on a different thread on mse has recommended i use a credit reference agency to manage my debts,

    Firstly i cant afford to pay for such a service. secondly i distrust free services because they may charge later or have some ulterior motive for giving away a service with a £15 a month value elsewhere iyswim

    thirdly i have no idea what to do if i do join one. so far all ive ever known them for is a credit score number from one to whatever so i dont see how that will help with managing debt.

    any help would be appreciated. im trying to manage my debts after leaving a debt management company,

    tia
    Wins: 2008: £606.10 2009: £806.24 2010: £713.47 2011: 328.32

Page 1
    • YorkshireBoy
    • By YorkshireBoy 16th Jun 17, 8:08 PM
    • 29,149 Posts
    • 16,951 Thanks
    YorkshireBoy
    • #2
    • 16th Jun 17, 8:08 PM
    • #2
    • 16th Jun 17, 8:08 PM
    You're worrying unnecessarily. You can get all your credit reports for free, including exactly the same data you'd pay for (whether £2 or £14.99) from...

    Experian - via the MSE credit club
    Equifax - via www.clearscore.com
    CallCredit - via www.noddle.co.uk

    But don't think you can "manage my debts" via credit reference agencies. All you can do is check the data is accurate. They may give you some tips along the way though, such as...

    Your credit utilisation is high/low
    The average age of your accounts is good/bad
    You are only making minimum payments
    You have had too many credit searches in the last x months
    Etc

    Just don't get too hung up on the credit score...it's only an indicator of how they think lenders will view your credit file.
    • raphanius
    • By raphanius 16th Jun 17, 8:17 PM
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    raphanius
    • #3
    • 16th Jun 17, 8:17 PM
    • #3
    • 16th Jun 17, 8:17 PM
    The majority of it will be on your credit files, I suggest you obtain a copy from each of the three credit reference agencies first of all.
    from sourcrates a board guide
    Wins: 2008: £606.10 2009: £806.24 2010: £713.47 2011: 328.32

    • zx81
    • By zx81 16th Jun 17, 8:20 PM
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    zx81
    • #4
    • 16th Jun 17, 8:20 PM
    • #4
    • 16th Jun 17, 8:20 PM
    Which is what YB just said.
    • raphanius
    • By raphanius 16th Jun 17, 8:23 PM
    • 1,261 Posts
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    raphanius
    • #5
    • 16th Jun 17, 8:23 PM
    • #5
    • 16th Jun 17, 8:23 PM
    a credit reference agency cant tell me who my debtors are and how much i owe
    Wins: 2008: £606.10 2009: £806.24 2010: £713.47 2011: 328.32

    • zx81
    • By zx81 16th Jun 17, 8:24 PM
    • 12,055 Posts
    • 12,209 Thanks
    zx81
    • #6
    • 16th Jun 17, 8:24 PM
    • #6
    • 16th Jun 17, 8:24 PM
    Yes they can. Although you will get a more up to date balance from the lenders directly.
    • YorkshireBoy
    • By YorkshireBoy 16th Jun 17, 8:26 PM
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    YorkshireBoy
    • #7
    • 16th Jun 17, 8:26 PM
    • #7
    • 16th Jun 17, 8:26 PM
    from sourcrates a board guide
    Originally posted by raphanius
    That response was given following your statement that "we have no idea who we owe what to".

    As you were told on that thread, there are free debt charities that can help. Why the reluctance to use them and go it alone instead?
    • YorkshireBoy
    • By YorkshireBoy 16th Jun 17, 8:28 PM
    • 29,149 Posts
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    YorkshireBoy
    • #8
    • 16th Jun 17, 8:28 PM
    • #8
    • 16th Jun 17, 8:28 PM
    a credit reference agency cant tell me who my debtors are and how much i owe
    Originally posted by raphanius
    That statement shows perfectly why you should use a debt charity!

    And they're your creditors, not debtors. They don't owe you money!
    • raphanius
    • By raphanius 16th Jun 17, 8:29 PM
    • 1,261 Posts
    • 6,571 Thanks
    raphanius
    • #9
    • 16th Jun 17, 8:29 PM
    • #9
    • 16th Jun 17, 8:29 PM
    because they need a statement of affairs and i havent had time to prepare one. i had to leave eurodebt because they didnt believe my outgoings are higher than my incoming wage so im reluctant to go to another agency, ive been with eurodebt for 15 years many of the debts are so old i have no paperwork for them

    and as you can see from my mistake i have no ability when it comes to money

    plus step change need names and account numbers
    Last edited by raphanius; 16-06-2017 at 8:32 PM.
    Wins: 2008: £606.10 2009: £806.24 2010: £713.47 2011: 328.32

    • YorkshireBoy
    • By YorkshireBoy 16th Jun 17, 8:36 PM
    • 29,149 Posts
    • 16,951 Thanks
    YorkshireBoy
    because they need a statement of affairs and i havent had time to prepare one. i had to leave eurodebt because they didnt believe my outgoings are higher than my incoming wage so im reluctant to go to another agency, ive been with eurodebt for 15 years many of the debts are so old i have no paperwork for them

    and as you can see from my mistake i have no ability when it comes to money

    plus step change need names and account numbers
    Originally posted by raphanius
    So are you going to obtain the free copies as per the info/links I provided above or not?

    I've never been in your situation, but institution (from your credit report) and residential address (from memory!) at the time is all you/they need surely?
    • raphanius
    • By raphanius 16th Jun 17, 8:40 PM
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    • 6,571 Thanks
    raphanius
    i got to page three and noddle asked for my card details.
    Wins: 2008: £606.10 2009: £806.24 2010: £713.47 2011: 328.32

    • YorkshireBoy
    • By YorkshireBoy 16th Jun 17, 8:46 PM
    • 29,149 Posts
    • 16,951 Thanks
    YorkshireBoy
    i got to page three and noddle asked for my card details.
    Originally posted by raphanius
    You don't have a debit card?
    • raphanius
    • By raphanius 16th Jun 17, 8:48 PM
    • 1,261 Posts
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    raphanius
    i do have a debit card but dont want to give out my details to anyone
    Wins: 2008: £606.10 2009: £806.24 2010: £713.47 2011: 328.32

    • YorkshireBoy
    • By YorkshireBoy 16th Jun 17, 8:50 PM
    • 29,149 Posts
    • 16,951 Thanks
    YorkshireBoy
    i do have a debit card but dont want to give out my details to anyone
    Originally posted by raphanius
    Despite their clear statement as to why they want the card details? OK, so you'll have to pay circa £2 for each by postal order and obtain via post instead.
    • raphanius
    • By raphanius 16th Jun 17, 8:52 PM
    • 1,261 Posts
    • 6,571 Thanks
    raphanius
    i didnt see any statement

    so its not free then
    Wins: 2008: £606.10 2009: £806.24 2010: £713.47 2011: 328.32

    • YorkshireBoy
    • By YorkshireBoy 16th Jun 17, 8:55 PM
    • 29,149 Posts
    • 16,951 Thanks
    YorkshireBoy
    i didnt see any statement

    so its not free then
    Originally posted by raphanius
    Goodness me! Are you not reading the information presented to you?...
    Identifying you.

    To help us verify your identity, we just need to check some card details.

    Why do you need these? We need to check your identity with your bank. Don't worry, you will NOT be charged at any time – your Noddle credit report is free for life

    • raphanius
    • By raphanius 16th Jun 17, 8:59 PM
    • 1,261 Posts
    • 6,571 Thanks
    raphanius
    i didnt see it

    and....

    http://forums.moneysavingexpert.com/showthread.php?t=3515377

    oh and i cant use experian because i dont have a passport
    Wins: 2008: £606.10 2009: £806.24 2010: £713.47 2011: 328.32

    • raphanius
    • By raphanius 16th Jun 17, 9:34 PM
    • 1,261 Posts
    • 6,571 Thanks
    raphanius
    ok ive joined the mse club one and can now see some info about who i owe money to. unbelievably there are only two creditors on there. Eurodebt have been taking money for a few more. Need to check hubbys debts later to get a fuller picture.

    thanks for the advice
    Wins: 2008: £606.10 2009: £806.24 2010: £713.47 2011: 328.32

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