MSE News: Equifax unveils online statutory credit reports

immoral_angeluk

No, the £5 is relating to the free online trial. So long as you cancel it within the 30 days you're £5 up. Granted it's not the stat one but way I see it is it's better to make a fiver for exactly the same thing than pay £2

Innocent_Guy

Looks good, this means I can now cancel my monthly subscription and get a stat report every 3 months.

LoopyPrune

Good news. These companies should be non-profit making organisations IMO and not just another company looking to slip a few notes out of your wallet when you aint looking.

Daddy-Spendless

I just checked my report and found i have CCJ's at a previous address i moved from 2 years ago, i have absolutly no recallection of getting these as the dates dont ring any bells or the ammounts the most recent was in 07 for over £5000 which i think i would recall owing.

can anyone advise me on what i should be doing about this.

fawinds

I already ordered my online statutory report from Equifax a few months ago and it is about time Experian and Callcredit do the same.

As doelani has already said, it stays there for 30 days.

jamesd

Daddy-Spendless, the statutory credit report normally includes contact details for those on the report. If you're sure that the debts aren't yours then you can use those details to find out. The dates might not match because it's possible that debt collection agencies are involved and using dates and amounts that are different from the amounts you might remember. Someone can seek a CCJ for up to six years after the debt was incurred.

If the debts are from after you left then it could be identity theft by those who moved in after you.

Daddy-Spendless

jamesd wrote: »

Daddy-Spendless, the statutory credit report normally includes contact details for those on the report. If you're sure that the debts aren't yours then you can use those details to find out. The dates might not match because it's possible that debt collection agencies are involved and using dates and amounts that are different from the amounts you might remember. Someone can seek a CCJ for up to six years after the debt was incurred.

If the debts are from after you left then it could be identity theft by those who moved in after you.

thanks for the reply, i was definitly at the address at the time the credit report says the CCJ's were issued the most recent was 01-07 i moved out in 08. i had lived at that address for 8 years since 2000 Ive definitly never had any summons to court or debt collectors knocking on my door for any of the ammounts the CCJ's say i owe.

Fruit_and_Nut_Case

Daddy-Spendless wrote: »

Ive definitly never had any summons to court or debt collectors knocking on my door for any of the ammounts the CCJ's say i owe.

But what about other amounts? There may be interest or service charges added on.

Daddy-Spendless

Fruit_and_Nut_Case wrote: »

But what about other amounts? There may be interest or service charges added on.

i genuinly cant think what this could be, i guess ill have to phone the court tommorow and ask who the hell took out the CCJ against me.

Old_Wrinkly

Going back to the article, I note that it says :
"Access will be free for ID fraud victims and those receiving debt advice".
How would Equifax know whether or not I am receiving debt advice?
(Would it have to be via some official body, or could it include forums like the MSE ones?)