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Credit Reports

Hi
Can you good people tell me the best way to get a copy of both mine and my husbands credit reports.

I am in the process of trying to get us 'sorted' financially and would like to check the reports to make sure i have everything covered. We have never defaulted on payments (as far as i know!!!) but would like to be sure.
I have heard some not nice things about expediran and have read on here about paying £2 but would like to know to whom and what.

Thanking you for your help:)
Almost there :j

Comments

  • You can get a free trial with experian online, equifax and callcredit are the other 2 you need to check.
    Total 'Failed Business' Debt £29,043
    Que sera, sera. <3
  • DarkConvict
    DarkConvict Posts: 6,347 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    There is a 3rd one called call credit that you should check too, but generally 99% of people are covered by equifax and experian.
    Although no trees were harmed during the creation of this post, a large number of electrons were greatly inconvenienced.

    There are two ways of constructing a software design: One way is to make it so simple that there are obviously no deficiencies, and the other way is to make it so complicated that there are no obvious deficiencies
  • Tixy
    Tixy Posts: 31,455 Forumite
    With the free online trials you have to remember to cancel them within 30days to ensure you are not charged. If you think you might forget then you may prefer to get the one off statutory reports (£2 each from each of the agencies).

    http://www.equifax.co.uk/Products/credit/statutory-report.html
    http://www.experian.co.uk/wiseconsumer/
    A smile enriches those who receive without making poorer those who give
    or "It costs nowt to be nice"
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