how do i check my credit file?

laurad85

Evening everbody, does any one know how i can check my credit file? I've noticed a few people have said they have checked theirs online but i dont know where, also will i have to pay? Im saving for a deposit with my partner at the mo so we can buy our house so just want to check our files are both in order.

Thanks
x

_Andy_

Google Experian and Equifax then follow the instructions on the websites.

laurad85

thanks for the quick reply!

Jacka87

I have went onto experianand it says it only free for 30days as its a trial.

I am thinking of remortgaging soon and want to check before hand but dont want to spend loads on experian. If I use the free trial and then dont remortgage for say 6 months would I be able to then use there free trial again?

Basically, does anybody know ways of avoiding paying to know your credit score? I think it seems a bit unfair that we need to pay to see what details companies are checking us against when its our own details!

Sunny2good

Jacka87 wrote: »

If I use the free trial and then dont remortgage for say 6 months would I be able to then use there free trial again?

I dont think you will be able to. Then again i haven't tried that so cannot be sure.

Jacka87 wrote: »

Basically, does anybody know ways of avoiding paying to know your credit score?

There is no way of avoiding to pay to check your credit score. This service is only available if you pay.

Jacka87 wrote: »

I think it seems a bit unfair that we need to pay to see what details companies are checking us against when its our own details!

Totally agree with that

Dilfred

Sunny2good wrote: »

I dont think you will be able to. Then again i haven't tried that so cannot be sure.

I tired and failed, had to pay subscription

Sunny2good wrote: »

There is no way of avoiding to pay to check your credit score. This service is only available if you pay.

You can pay less if you are willing to download and print pdf and send off form. Costs 2 quid.
http://www.experian.co.uk/consumer/
Hmm that said, not sure if it's your score or the report that you can get for free during the trial period. proably worth a call before spending the 2quid

Sunny2good wrote: »

Totally agree with that

aye, 3rd that

Sunny2good

Dilfred wrote: »

You can pay less if you are willing to download and print pdf and send off form. Costs 2 quid.
http://www.experian.co.uk/consumer/
Hmm that said, not sure if it's your score or the report that you can get for free during the trial period. proably worth a call before spending the 2quid

No, for £2, you only get your credit file. When you sign up for a free trial, your credit score is not visible to you as its a separate product. You only get to see your credit file.

Getting your credit score is expensive. last time i checked, equifax were charging £14.95 for it, while experian also charge a similar amount.