Equifax or Experian - which report do I get?

bglam

I want to check my credit report as I am going to be applying for a mortgage soon - which is best, equifax or experian? Can anyone help?

Chloe

mparter

Your better to get both as lenders sometimes only update one or the other. Experian seems to be the most used. I have both and the information on them is different from a credit account point of view.

Then, there's CallCredit.

lisyloo

It's best to get both - only £4 (unless you want to sign up for the free trial - don't forget to cancel).

In general call credit is not worth getting.

Warriorsith

I think you should use Experian, their the most popular and seem to have the majority of your 'credit agreements', or if you prefer just use both. They both currently have an online service which when you first sign up are able to access for FREE for a limited time, print off a copy of your file from both companies then cancel both online sevices. Saves you 2 payments of £2 and stamps when applying the written way. Just make sure you CANCEL the agreements within the FREE Trial period.

https://www.freecreditreportservice.co.uk

https://www.econsumer.equifax.co.uk/consumer/uk/sitepage.ehtml?forward=gb_products

bglam

I can't see a link to where I get a free trial on equifax?

Thanks for the info

Warriorsith

Try it now.

Old_iron_balls

best to check both as you wont know which one your mortgage provider will use. better safe than sorry

Jays

Hi

I heard about this new service being launched today, it gives a free annual credit report. http://www.annualcreditreport.co.uk

The catch at present is it has not been rolled out across the whole country, is starts in the West Country, and has release dates for areas around the rest of the country to follow.

All the sites requests is that you sign up to their newsletter.

Not tested or proved, but might be worth a closer inspection.

Jays

tomstickland

Get both for free via the loophole in Martin's article.
I earnt £5 via Quidco when I joined creditexpert for 2 weeks.

Kiwigavin

Has any one else had trouble using Experian's website? I keep getting bounced back due to a missing mobile phone number but I can't find the field to put it in. Or am I just dumb?

bglam

How do I cancel my equifax free trial? I can't find anywhere on the site how to do it?!!!