Do you need all 3 credit reports?

Serafina

Hi there

To thoroughly check your credit file do you need to get a report from Experian, Equifax and Call Credit?

Also what does it mean when you can easily get your report from Eperian but Equifax can not find you and therefore not provide you with an instant report.

[Deleted User]

i`m 52 ive had credit for 34 years and never used one of them

fatbelly

Serafina wrote: »

To thoroughly check your credit file do you need to get a report from Experian, Equifax and Call Credit?.

Yes, but Experian is the main one.

fatbelly

woodbine wrote: »

i`m 52 ive had credit for 34 years and never used one of them

Worth a check then, John?

[Deleted User]

fatbelly wrote: »

Worth a check then, John?

tbh i wouldnt waste my time

Experian_company_representative

It's sensible to check your report occasionally and certainly before you apply for credit. You should do this with all three agencies as these reports can differ and lenders ultimately choose which one or ones to use.

With the cost of the credit you get increasingly dependent on your credit score, it's worth checking to make sure your credit history paints the best possible picture.

James Jones

Tixy

James you know better than that.

Experian_company_representative wrote: »

With the cost of the credit you get increasingly dependent on your credit [STRIKE]score[/STRIKE] history, it's worth checking to make sure your credit history paints the best possible picture.

Peelerfart

woodbine wrote: »

i`m 52 ive had credit for 34 years and never used one of them

Which, in itself begs the question, do you need any of the credit reports if you haven't been naughty ?

Serafina

Thanks a lot for the replies.

Hax

Peelerfart wrote: »

Which, in itself begs the question, do you need any of the credit reports if you haven't been naughty ?

Only if you want to find out if someone else has been naughty with your personal details