Credit report query

book12

I would like to see my credit report online by registering with these two websites:

• Experian: https://www.creditexpert.co.uk/order1_1.aspx?sc=410032&areaid=22&pkgid=UKMON&SiteID=100002&SiteVersionID=487&bcd=8ef09Exp0509WPxxxFMS
• Equifax: https://www.econsumer.equifax.co.uk/consumer/uk/order.ehtml?prod_cd=UKESNGO

I am not on the voters roll. Would they still let me see my credit report, and process my application?

I understand that both of those are free 30 day trials. After that , I will need to pay monthly, which I don't want to. How do I cancel the trial after I checked my credit report online?

Also, is there a website that I could subscibe to, to see both credit reports (Equifax and Experian) in one go, without registering seperately?

Moggles_2

I am not on the voters roll. Would they still let me see my credit report and process my application?

You would be asked to send in documents first to prove your identity.

Provided that you're eligible to enrol, you can avoid this rigmarole every time you apply for credit or for credit reports, by registering your details on the electoral roll at your current address. That way your ID can be verified electronically without further delay or inconvenience to you

Moggles_2

I understand that both of those are free 30 day trials. After that , I will need to pay monthly, which I don't want to. How do I cancel the trial after I checked my credit report online?

Having tried the free trials, I'd rather pay £2 for the statutory report than hand over my payment details and face a struggle to cancel, but it's your choice really.

For more tips, see page 1 of the *How to obtain credit reports* sticky at the top of
this board

lisyloo

I agree with Moggles.
Equifax in particular can be difficult to cancel (long phone queues etc.)
You will end up paying more if the cancellation doesn't get processed properly, so I'd just pay them the £2.

Call credit is free (but less useful) at https://www.annualcreditreport.co.uk and NO payment details required.

book12

Moggles wrote: »

You would be asked to send in documents first to prove your identity.

Provided that you're eligible to enrol, you can avoid this rigmarole every time you apply for credit or for credit reports, by registering your details on the electoral roll at your current address. That way your ID can be verified electronically without further delay or inconvenience to you

Yes, I have documents to prove my identity (passport and driver's licence). Basically, after completing the application (including payment details), that means I'm still not accepted, unti I provide ID?

I am eligible to enrol, but didn't. I got bank accounts without being on it.

Moggles wrote: »

Having tried the free trials, I'd rather pay £2 for the statutory report than hand over my payment details and face a struggle to cancel, but it's your choice really.

For more tips, see page 1 of the *How to obtain credit reports* sticky at the top of
this board

I rather not pay £2 and a stamp to send it off. Once I fill in the form online, I get instant access.

Should have seen the stick. Apologies.

lisyloo wrote: »

I agree with Moggles.
Equifax in particular can be difficult to cancel (long phone queues etc.)
You will end up paying more if the cancellation doesn't get processed properly, so I'd just pay them the £2.

Call credit is free (but less useful) at www.annualcreditreport.co.uk and NO payment details required.

I don't need to get a report at call credit, as the banks I use uses Equifax and Experian.

I will have a look at that website you posted.

book12

About that www/annualcreditreport.co.uk , do I get to see details held in all 3 CRAs? It says £2.50 as a one off setup fee. Obviously, to get that amount, payment details are required...? I'm confused.

BullBear_2

You can see your report if you're not on the electoral role, though you will probably be asked for proof of ID, such as a copy of your passport / driver's licence and recent utility bills.

Apart from the convenience of getting on the electoral role to avoid sending ID, it's worth doing because it helps your score. The banks, etc, like evidence of stability - plus they worry less about fraud if you're on the register.

(And a better score means you get charged less interest!)

If you're not eligible to go on the electoral role (eg, foreign nationals) then you can send the agencies proof of residence and ask for it to be noted on your file - again, this should help improve your score.

I read quite a good article recently that explains how this works plus other things you can do to improve your rating - unfortunately, I can't post a link as I'm new to the forum! Is there a way around this?

Moggles_2

I am eligible to enrol, but didn't.

Well, unless you're about to move, you haven't lost the chance.

Basically, lenders like stability. Being with the same employer, bank and current address for a while, all help when applying for credit, but only data that can be independently corroborated is used for credit scoring purposes. That's why it pays to get on the electoral roll as soon as possible after you move to a new address. It's free after all and everyone's credit rating improves no end once registered. I'd make this your number one priority

Note: your name cannot be added to the ER retrospectively. Had you enrolled in August, your details would have appeared on 1 September. Unfortunately, the next update is not published until 1 December 2009 (The delay is due to the borough-wide annual audits that take place at this time of year.) Just so you know.

Moggles_2

BullBear wrote: »

I read quite a good article recently that explains how this works plus other things you can do to improve your rating - unfortunately, I can't post a link as I'm new to the forum.

You and the OP may be interested in this one then *Credit Rating: how it works and how to improve it guide* especially Martin's *Manage and Improve your credit score* article;)

http://www.moneysavingexpert.com/banking/credit-rating-credit-score#improve

book12

BullBear wrote: »

You can see your report if you're not on the electoral role, though you will probably be asked for proof of ID, such as a copy of your passport / driver's licence and recent utility bills.

Apart from the convenience of getting on the electoral role to avoid sending ID, it's worth doing because it helps your score. The banks, etc, like evidence of stability - plus they worry less about fraud if you're on the register.

(And a better score means you get charged less interest!)

If you're not eligible to go on the electoral role (eg, foreign nationals) then you can send the agencies proof of residence and ask for it to be noted on your file - again, this should help improve your score.

I read quite a good article recently that explains how this works plus other things you can do to improve your rating - unfortunately, I can't post a link as I'm new to the forum! Is there a way around this?

I don't have utility bills as I don't pay them. I have drivers licence, bank statement, and JSA entitlement letter with my address on it. As for photo ID, passport and drivers licence. I hope those are ok. Can they be photocopies, or do I need to send the originals by post?

Moggles wrote: »

Well, unless you're about to move, you haven't lost the chance.

Basically, lenders like stability. Being with the same employer, bank and current address for a while, all help when applying for credit, but only data that can be independently corroborated is used for credit scoring purposes. That's why it pays to get on the electoral roll as soon as possible after you move to a new address. It's free after all and everyone's credit rating improves no end once registered. I'd make this your number one priority

Note: your name cannot be added to the ER retrospectively. Had you enrolled in August, your details would have appeared on 1 September. Unfortunately, the next update is not published until 1 December 2009 (The delay is due to the borough-wide annual audits that take place at this time of year.) Just so you know.

I didn't put my name on the voters roll due to the following reasons:

• don't need to apply for credit
• don't vote
• applied for a bank account (without overdraft) without being on there

Obviously, when I need to apply for credit (e.g. mortgage), I will put my name on there.

If I really want to see my credit report, I guess I could send additional ID to the CRAs, or put my name on the electoral roll in the next canvass period.

book12

lisyloo wrote: »

I agree with Moggles.
Equifax in particular can be difficult to cancel (long phone queues etc.)
You will end up paying more if the cancellation doesn't get processed properly, so I'd just pay them the £2.

Call credit is free (but less useful) at www.annualcreditreport.co.uk and NO payment details required.

Thanks for the website.

The website says a £2.50 fee is needed. How can this be taken if I don't give them the payment details?

On the website, it said the website has been featured in a lot of places like BBC, the guardian, the times, 4 news, daily telegraphy, etc (see the logos on website).... I can't find news articles from those newspapers about the annual credit report website. Is this website really genuine?