Multi Agency Credit Reports

book12

I would like to see my credit report from the following websites below, as the subscription provides access to all three credit reference agencies:

http://www.checkmyfile.com/
http://www.annualcreditreport.co.uk/

Which is better? Opinions appreciated if you guys subscribed to one or both of the above.

If there are others, please suggest.

Check my file seems to only display Equifax and Call Credit data, and not Experian... (see the 'checkmyfile' website under '


More Detail Than Anywhere Else' under the 'Compare Credit Reports section - it says Equifax and Call Credit):think:

System

Hi book12

Experian are the most widely used credit reference agency (CRA) of the three so obtaining reports that omit Experian data is, in my opinion, not a good idea.

If you must sign up to a subscription service make it Credit Expert. Personally I prefer to obtain my statutory reports every few months at a cost of £2 each - plus all three are now available online.

Take a look at the following table (which checkmyfile used to publish on their website) to see how much data is missing:



I suppose you could use annualcreditreport to obtain a free Callcredit report each year, as long as you don't mind receiving a marketing e-mail every two weeks.

Hope I've helped you make an informed choice.

Regards
UNDERGROUND

book12

Looks like I will purchase multi credit reports from the annualcreditreport then. I hope it won't be bad as 'checkmyfile'.

Also, I saw some other multi-agency credit report websites, namely 'Givemecredit' and 'Fraudlock'. http://www.moneysupermarket.com/credit-monitoring/ Not sure how good both of them are though.

System

As far as I know annualcreditreport is not a multi-agency report, they use data from Callcredit only.

UNDERGROUND

ratts

i use annualcreditreport and find it to be very good...

been using since 2006.

i also use equifax as it came with my credit card.

they both give me about the same score, give or take 10 points...

so i would give annualcreditreport a try mate...

you can also sign up for monthly updates if you chose

System

ratts wrote: »

i use annualcreditreport and find it to be very good...

Yes, very good for seeing your Callcredit report.

ratts wrote: »

i also use equifax as it came with my credit card.

A great service provided by Capital One.

ratts wrote: »

they both give me about the same score, give or take 10 points...

A score which in the real world means very little, with the Callcredit based score meaning even less because hardly any lenders search them.

ratts wrote: »

you can also sign up for monthly updates if you chose

Yes, for £3.97 a month, when an online statutory Callcredit report is £2.

All in all these services represent poor value for money and don't provide a full picture of your credit files.

Statutory reports are the most thorough way to check your files and cost less than signing up to any subscription services.

Regards
UNDERGROUND

book12

UNDERGROUND wrote: »

As far as I know annualcreditreport is not a multi-agency report, they use data from Callcredit only.

UNDERGROUND

In that case, I won't be using it then.

I would be using their 30 day trial or statutory report. What's the difference?

Experian_company_representative

The 30-day trials are usually free and a one-off statutory report costs £2, so the difference is basically £2. With each agency you're looking at the same data no matter which service you choose. The trials are of the agencies' regular monitoring services which you can cancel at any time and if you cancel before the trial ends you pay nothing, unless you order extra paid-for services (eg scores).

James Jones

CpdButWhy

Experian_company_representative wrote: »

The 30-day trials are usually free and a one-off statutory report costs £2, so the difference is basically £2. With each agency you're looking at the same data no matter which service you choose. The trials are of the agencies' regular monitoring services which you can cancel at any time and if you cancel before the trial ends you pay nothing, unless you order extra paid-for services (eg scores).

James Jones

Well, the part about each agency showing the same data is not exactly true. Different account providers may report to different CRAs.

E.g. my Virgin Media TV contract only shows up on my Equifax report, but not on Experian.