Credit Ratings !!!

cmjohnson_86

Im trying to get my credit rating/reprt online or delivered to me, Have tried 2 now but they both need a visa or mastercard to be registered to get one, as my CC is maxed out I cant use it so is there one where I can buy one or use a free trial with by just registering my bank account card with? If not what can I do to obtain one without using a CC?

Thanks in advance.

- Carl

southernscouser

Hi Carl,

Experian do a free 30 day trial for your credit report. You have to give them your CC details but they do not charge anything until after the 30 day period is up so just make sure you cancel it before then.

http://www.joincreditexpert.com/freecreditreport/?sc=410015&bcd=experiancreditonline

However, if you are after your credit score you do have to pay. Think it was £5!

cmjohnson_86

yeah I tried this one but because my CC is over its limit, they've basically ceased action on it so I cant use it. So when I enter the info onto the website it says I cant use the card.

southernscouser

cmjohnson_86 wrote:

yeah I tried this one but because my CC is over its limit, they've basically ceased action on it so I cant use it. So when I enter the info onto the website it says I cant use the card.

The only thing I can suggest then is wait until your next payment clears.

cmjohnson_86

ok Thanks alot.

YorkshireBoy

cmjohnson_86 wrote:

...so is there one where I can buy one or use a free trial with by just registering my bank account card with? If not what can I do to obtain one without using a CC?

You can order your £2 statutory reports from both Experian and Equifax online and pay by debit card, eg Switch/Maestro. They say they'll post them out within 7 days, although in practice they've been much quicker than that for me.

There's a list of other cards accepted in the drop down box as I recall.

innovate

Just in case you haven't got the links:

Martin's article on credit scores

Insider's guide to credit scoring

cmjohnson_86

Thanks alot Will take a look now. Thanks for the help

cmjohnson_86

YorkshireBoy wrote:

You can order your £2 statutory reports from both Experian and Equifax online and pay by debit card, eg Switch/Maestro. They say they'll post them out within 7 days, although in practice they've been much quicker than that for me.

There's a list of other cards accepted in the drop down box as I recall.

Sorry again, but I couldnt find where to order this, anyone know the link to this? Thanks in advance

innovate

sloooooow down, cmjohnson_86!!!! :beer: :beer:

Deep breath first, then read Martin's article on credit scoring again, it's got the links for ordering credit reports

cmjohnson_86

innovate wrote:

sloooooow down, cmjohnson_86!!!! :beer: :beer:

Deep breath first, then read Martin's article on credit scoring again, it's got the links for ordering credit reports

:snow_laug Thankyou. Have just ordered one with Equifax. Should learn to be a little more patient. I blame it on my age :xmassign: