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  • FIRST POST
    • sarahg4242
    • By sarahg4242 8th Jan 18, 3:13 PM
    • 11Posts
    • 0Thanks
    sarahg4242
    Credit Reports - Which is best?
    • #1
    • 8th Jan 18, 3:13 PM
    Credit Reports - Which is best? 8th Jan 18 at 3:13 PM
    I'm in the process of trying to sort out my finances and been asked for a copy of my credit report. Noddle was suggested and I got that but it was suggested I get others as companies report to other credit reference agencies. So what are my options? I

    Aware of Experian but only because of the press stories about data leaks. Anyone signed up for their subscription service and been able to cancel within the free trial period? Noddle provided a PDF copy of my report, can you get similar off Experian and any others? Just makes it easier to email to someone.

    Thanks
Page 1
    • zx81
    • By zx81 8th Jan 18, 3:27 PM
    • 14,915 Posts
    • 15,760 Thanks
    zx81
    • #2
    • 8th Jan 18, 3:27 PM
    • #2
    • 8th Jan 18, 3:27 PM
    All of them are best as different lenders report to and check different ones.

    You can check them all free via MSE, Clearscore and Noddle.
    • Gary_Dexter
    • By Gary_Dexter 8th Jan 18, 3:36 PM
    • 380 Posts
    • 211 Thanks
    Gary_Dexter
    • #3
    • 8th Jan 18, 3:36 PM
    • #3
    • 8th Jan 18, 3:36 PM
    Don't pay for any subscriptions.
    You only need to view the data on your file, ignoring the fictitious scores.
    • sarahg4242
    • By sarahg4242 8th Jan 18, 4:05 PM
    • 11 Posts
    • 0 Thanks
    sarahg4242
    • #4
    • 8th Jan 18, 4:05 PM
    • #4
    • 8th Jan 18, 4:05 PM
    OK so I need to get at least one more in addition to Noodle.

    Experian say either pay £2 or take out subscription with first 30 days free. Is it worth taking the free trial or just stump up the £4 (there are 2 of us).
    • zx81
    • By zx81 8th Jan 18, 4:14 PM
    • 14,915 Posts
    • 15,760 Thanks
    zx81
    • #5
    • 8th Jan 18, 4:14 PM
    • #5
    • 8th Jan 18, 4:14 PM
    Or you could try the MSE route.

    https://www.moneysavingexpert.com/creditclub-variant?utm_expid=._bZIeKhmRDa46QyEs6jZjw.1&utm_re ferrer=https%3A%2F%2Fwww.moneysavingexpert.com%2F% 3F_ga%3D2.147579703.1267360289.1515401688-410419374.1492517866

    So you have a choice of £0, £2 or the full subscription.
    • sarahg4242
    • By sarahg4242 8th Jan 18, 4:25 PM
    • 11 Posts
    • 0 Thanks
    sarahg4242
    • #6
    • 8th Jan 18, 4:25 PM
    • #6
    • 8th Jan 18, 4:25 PM
    Will take another look at that. I did sign up but didn't see any option for a report only the score. Need the bit that actually shows who I owe too, any credit checks. Probably missed that bit!
    • Gary_Dexter
    • By Gary_Dexter 8th Jan 18, 4:34 PM
    • 380 Posts
    • 211 Thanks
    Gary_Dexter
    • #7
    • 8th Jan 18, 4:34 PM
    • #7
    • 8th Jan 18, 4:34 PM
    The MSE Credit Club will give you your report and score.

    As will ClearScore (for Equifax)
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