experian/equifax/callcredit

merlin1

hello all, can i ask how many of you actually pay the monthly fee's for any/ all 3 of the cra's to keep track of your files?

the reason i ask is that all 3 offer free trial periods - would i be right in thinking that once i've used the free trial, and cancelled, i cannot go back and get another free trial at a later date?

i am posting in mortgages forum as well as here as i'm looking toward the future after i've sorted out my probs with lloyds to buy my house on the right to buy scheme. i am reading left right and centre to "regularly check your report" - can this be done without a monthly membership?

thanks in advance! :rotfl:

fermi

You can just order the £2 statutory paper report, when and if you need to check.

The CRAs are legally obliged to supply these, but obviously they prefer to make you pay through the nose for their "online" services. :rolleyes:

debrag

I pay it, works out something like £15-20 a quarter I think. Experian is crap though and show no information (for me anyways) also not all creditors are shown on the other two. Best thing is get the statutory paper reports or apply for online reports via their own sites.