Credit Report

CAJDavidson

Hi,

I am 19 years old and have recently moved out, I am not yet on the electoral roll, however I am hoping to have this done by the start of August.

I have only currently got an Orange Phone contract but no other credit as it were, I do however have household bills in my name which I understand require a credit check.

I signed up a few months ago with Experian to view my Credit Report online however I was never sent a code to view this, now I want to view this again, but will it be worth checking this as I want to know what maybe marked down here, as I have applied for a few things in the past (Halifax Credit Card, Overdraft on Lloyds TSB account). I have had 3 seperate bank accounts over the past 3 years also.

I would like to tidy this up a little bit if possible, is it possible to do this?

Thanks for any help in advance.

Chris.

stator

The only change you can make is to have errors corrected. Also if it shows members of your family you can get them removed if you have no financial ties to them.
I'd check if Experian are charging you the monthly fee, as their credit expert service is charged every month. If you have that I would get your report, print it out and then cancel it. If you're not sure exactly what's on there it's always worth getting a copy for £2.

CAJDavidson

I'm not currently charged a monthly fee, I need to get signed up and want to check what is on there is all correct.

Will it affect me getting my credit report if I am not on the electoral roll?

zppp

CAJDavidson wrote: »

I'm not currently charged a monthly fee, I need to get signed up and want to check what is on there is all correct.

Will it affect me getting my credit report if I am not on the electoral roll?

It shouldn't affect you getting your credit report, however not being on the electoral roll could affect your credit file as a separate issue.

CAJDavidson

Thanks James, I will call later on today and hopefully get my PIN sent out.