Experian or Equifax for statutory credit file?

skintdragon

Hi there,

Am trying to sort my life out and looking into getting a mortgage via a broker, but think my credit rating may be on the blink, which may mean that I would have to go to my bank. _pale_ I cannot decide whether to use Experian or Equifax to source my statutory credit file. I just want something on paper for my records. Done the Experian online freebie thing before so looking for a cheaper alternative!

Any suggestions/ experiences please let me know. Thanks in advance. :wave:

mrsplinter

I applied for both today online for £2 each. Experian you get the report by post so I have to wait seven working days to see that. However with Equifax you check online immediately which I appreciated. It seemed very comprehensive had all my credit cards, my main current account an old loan and catalogue.

skintdragon

Nice one, thanks. I will have another look.

Cleosmum

You really need to check Equifax, Experian and Call Credit to make sure you dont miss something as different lenders etc use different CRA

skintdragon

:eek:

i really must cancel the harvey nicks and monsoon store cards; not used them at all and they are still on my profile!!!!

thanks for the suggestion; just been on equifax so will check out the rest.

cheers...:T