Do you stay registered to retain access to your credit file when stoozing?

apples1

Just wondering do most of you experienced stoozers stay registered and pay the monthly fee to have constand access to your credit files?

I have done the free trials with experian & exquifax but when they end I assume I cannot get another free trial. Do you stooze without seeing your file from then on or pay for it at some later stage or stay registered?

Cheers

frivolous_fay

I've signed up with Zopa which shows your how Zopa scores you... not sure how often this is updated but until I have a problem with getting the credit I need, it's enough for me!

Experian keep demanding proof of address for their online thing (despite sending me a credit report a little while back, as their postal records are out of date I don't show up on them) and I just can't be bothered with them.

Clariman

Hi apples
It is really down to personal choice. You don't need to have access to your credit files in order to continue to stoozing but I certainly find it useful. You can read about how to use it to help stoozing here. I mainly use them for helping me to time applications to fine tune my stoozing.

frivolous_fay says she uses Zopa credit scores. IMHO credit scores aren't really much use because they only give you an indication of how a lender may assess you. Far better to get the facts behind them i.e. your credit history.

Clariman

frivolous_fay

Indeed. I tried to make the part about Zopa scoring clear. I find it interesting but not especially informative.