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  • FIRST POST
    • 2004arron
    • By 2004arron 6th Oct 17, 7:52 PM
    • 36Posts
    • 4Thanks
    2004arron
    Credit reports
    • #1
    • 6th Oct 17, 7:52 PM
    Credit reports 6th Oct 17 at 7:52 PM
    Good evening.

    Iím interested in seeing my credit report but donít want to sign up and pay £14.99 ect.

    I must have used the free trial years ago.

    Iím currently on clear score, MSE and noodle. They all give very basic information.

    Does anyone recommend and further sites to use or a work around the payment method?

    Thanks
Page 1
    • DCFC79
    • By DCFC79 6th Oct 17, 8:08 PM
    • 30,425 Posts
    • 19,235 Thanks
    DCFC79
    • #2
    • 6th Oct 17, 8:08 PM
    • #2
    • 6th Oct 17, 8:08 PM
    Good evening.

    Iím interested in seeing my credit report but donít want to sign up and pay £14.99 ect.

    I must have used the free trial years ago.

    Iím currently on clear score, MSE and noodle. They all give very basic information.

    Does anyone recommend and further sites to use or a work around the payment method?

    Thanks
    Originally posted by 2004arron
    What is it you want to see or know ?

    Theres only the 3 agencies in the uk.

    Call Credit (Noodle)
    Equifax ( clearscore)
    Mse (Experian)

    The ones you have take the information from the 3 agencies.
    Can people stop loaning money/being a guarator to family/friends, it rarely ends well and you lose out as your money is gone or you get shafted with being a guarantor.
    • Dobbibill
    • By Dobbibill 6th Oct 17, 8:24 PM
    • 2,548 Posts
    • 3,636 Thanks
    Dobbibill
    • #3
    • 6th Oct 17, 8:24 PM
    • #3
    • 6th Oct 17, 8:24 PM
    . They all give very basic information.
    Originally posted by 2004arron
    They give 6 yrs of information on open & closed accounts.
    Information about the Electoral Roll.
    Address changes.
    Personal details.
    CIFAS.
    Search history. (soft & hard searches)
    Financial Associates.
    Any CCJs, late payments and defaults.

    What other information are you expecting to be able to see?
    I'm a Board Guide on the Energy, Student Money Saving, UK Armed Forces and
    Local Money Saving - Wales 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.


    A person who never made a mistake, never tried anything new.
    • 2004arron
    • By 2004arron 6th Oct 17, 8:59 PM
    • 36 Posts
    • 4 Thanks
    2004arron
    • #4
    • 6th Oct 17, 8:59 PM
    • #4
    • 6th Oct 17, 8:59 PM
    I initially felt they were only trying to push cards and loans into me.

    After looking further into the menu and not just looking at the dashboard I found some interesting information.

    Thank you all for the prompt.
    • Dobbibill
    • By Dobbibill 6th Oct 17, 9:22 PM
    • 2,548 Posts
    • 3,636 Thanks
    Dobbibill
    • #5
    • 6th Oct 17, 9:22 PM
    • #5
    • 6th Oct 17, 9:22 PM
    Not sure if you saw it but closed accounts is an additional option at the top right hand corner of your accounts page. The initial page in the accounts section shows open accounts so you have to hunt around a bit for the closed if you don't see it straight off.
    I'm a Board Guide on the Energy, Student Money Saving, UK Armed Forces and
    Local Money Saving - Wales 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.


    A person who never made a mistake, never tried anything new.
    • nic_c
    • By nic_c 6th Oct 17, 11:20 PM
    • 1,125 Posts
    • 640 Thanks
    nic_c
    • #6
    • 6th Oct 17, 11:20 PM
    • #6
    • 6th Oct 17, 11:20 PM
    They each provide full reports, but it may not be obvious at first view. It can seem like basic info with credit offers, but they make money through referral links. A paid subscription service might not need to push referral links as hard. The paid subscription services don't give you any more information than the free services
    • london1973
    • By london1973 10th Oct 17, 3:14 PM
    • 335 Posts
    • 92 Thanks
    london1973
    • #7
    • 10th Oct 17, 3:14 PM
    • #7
    • 10th Oct 17, 3:14 PM
    sorry to butt in, i'm having problems finding certain info on clearscore-for example the actual default date on closed accounts-am I missing it somewhere?
    thanks
    • Dobbibill
    • By Dobbibill 10th Oct 17, 8:47 PM
    • 2,548 Posts
    • 3,636 Thanks
    Dobbibill
    • #8
    • 10th Oct 17, 8:47 PM
    • #8
    • 10th Oct 17, 8:47 PM
    Are you able to see your closed accounts?

    They will be on a separate tab which you can change from open to closed at the top right hand corner when on the account info within the report.
    I'm a Board Guide on the Energy, Student Money Saving, UK Armed Forces and
    Local Money Saving - Wales 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.


    A person who never made a mistake, never tried anything new.
    • 2004arron
    • By 2004arron 10th Oct 17, 9:03 PM
    • 36 Posts
    • 4 Thanks
    2004arron
    • #9
    • 10th Oct 17, 9:03 PM
    • #9
    • 10th Oct 17, 9:03 PM
    Yes I can. Thanks
    • takman
    • By takman 10th Oct 17, 9:22 PM
    • 2,900 Posts
    • 2,412 Thanks
    takman
    What is it you want to see or know ?

    Theres only the 3 agencies in the uk.

    Call Credit (Noodle)
    Equifax ( clearscore)
    Mse (Experian)

    The ones you have take the information from the 3 agencies.
    Originally posted by DCFC79
    It's worth pointing out that there are actually 4 credit reference agencies in the UK but those are the three main ones that people need to check.
    • RG2015
    • By RG2015 11th Oct 17, 6:43 AM
    • 628 Posts
    • 327 Thanks
    RG2015
    It's worth pointing out that there are actually 4 credit reference agencies in the UK but those are the three main ones that people need to check.
    Originally posted by takman
    Do you mean National Hunter?
    • zx81
    • By zx81 11th Oct 17, 6:48 AM
    • 14,401 Posts
    • 15,197 Thanks
    zx81
    No. Crediva.
    • RG2015
    • By RG2015 11th Oct 17, 9:02 AM
    • 628 Posts
    • 327 Thanks
    RG2015
    No. Crediva.
    Originally posted by zx81
    Thanks. How many more are there out there with our financial information?

    Experian
    Equifax
    Callcredit
    Crediva
    National Hunter

    Plus the secondary providers.

    Checkmyfile
    Clearscore
    MSE
    GiffGaff
    Credit Angel
    UK Credit Ratings
    Credit Reports Matter
    CreditReport.co.uk
    Totally Money
    • takman
    • By takman 11th Oct 17, 9:53 AM
    • 2,900 Posts
    • 2,412 Thanks
    takman
    Thanks. How many more are there out there with our financial information?

    Experian
    Equifax
    Callcredit
    Crediva
    National Hunter

    Plus the secondary providers.

    Checkmyfile
    Clearscore
    MSE
    GiffGaff
    Credit Angel
    UK Credit Ratings
    Credit Reports Matter
    CreditReport.co.uk
    Totally Money
    Originally posted by RG2015
    Cifas is another one that would fit in the top list.
    • Candyapple
    • By Candyapple 11th Oct 17, 10:03 AM
    • 2,495 Posts
    • 1,863 Thanks
    Candyapple
    Cifas is another one that would fit in the top list.
    Originally posted by takman
    As well as CIFAS, don't forget Synectics Solutions belongs in the first list too.

    Noddle and Halifax Credit Checker also belong in the second list.
    I'm a Board Guide on the Credit Cards, Loans, Credit Files & Ratings boards. I'm a volunteer to help the boards run smoothly, and I can move and merge threads there. Any views are mine and not the official line of moneysavingexpert.com
    • Samsung_Note2
    • By Samsung_Note2 11th Oct 17, 11:04 AM
    • 207 Posts
    • 79 Thanks
    Samsung_Note2
    Found GiffGaff to be very good.
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