Equifax and Experian free trials..?

Experian_company_representative

The 30-day free trial is generaly limited to one per customer but we do occasionally run additional promotions, including inviting ex-members to rejoin on a further free trial.

James Jones

BugsyBrowne

Experian_company_representative wrote: »

The 30-day free trial is generaly limited to one per customer but we do occasionally run additional promotions, including inviting ex-members to rejoin on a further free trial.

James Jones

I think I would of probably kept my Experian membership if I knew they trained their staff to a better degree.
I found it a bit irritating phoning them up and I myself new correct info and they didn't.

If you tell them something you know 100% is correct they think they have the right to disagree just because they work for Experian and know the answers as they clearly do not.

izools

star-fire wrote: »

I think I would of probably kept my Experian membership if I knew they trained their staff to a better degree.
I found it a bit irritating phoning them up and I myself new correct info and they didn't.

If you tell them something you know 100% is correct they think they have the right to disagree just because they work for Experian and know the answers as they clearly do not.

I agree with this 100%.

I had a query regarding types of searches to be used and the chap on the other end of the phone didn't have a clue, his stance was to disagree with everything I said to make him feel important and sound clever.

It didn't.

...Basically he was trying to convince me that HSBC are in the right performing a full credit search when I ask for an ammendment to an existing overdraft facility. He was unable to say why all other banks and credit card providers in existence do a soft search. He was also unable to explain to me why it was fair to leave other creditors believing that I had applied for a new line of credit when I hadn't.

He was then trying to convince me that the search wouldn't affect my credit worthiness because "anyone who searches your file will know that the search was in relation to an existing overdraft". Another bare faced lie. Of course they won't - they don't know the name of the bank I'm with or the name of the bank that did the search - nor do they know wether the search was in relation to an existing overdraft or a new one on a new bank account. That information isn't visible to 3rd party lenders.

Well anyway after getting no help from Experian, HSBC agreed to contact Experian to remove the search in the end but I had to take it quite high up before I got someone who understood such a simple concept as "I wasn't applying for a new line of credit but the search you left made it look like I was".

Waste of my time absolute waste that and the 0800 number has been replaced with 0844... along side a £7 increase in monthly subscription fees? I don't think so...

It's quite a disgusting state of affairs where banks / building societies / financial institutions make a habbit of leaving inaccurate and misrepresentative data about us on our credit files, having no one within their organisation who understands such things (rarely anyone customer facing anyway)...
... And then we are expected to pay atrocious fees to organisations like Experian to see our own data, for the sole purpose of doing the legwork, speaking to CRA employees who ain't a clue, in order to correct inaccurate data they hold given to them by their clients without the slightest bit of integrity vetting on the data they exchange.

*Sigh*... Just another way to give joe consumer the royal screw job.

/rant

Svenena

efunc wrote: »

The question is, does anyone know the status of this 'New Member Only' clause they seem to be so fond of? It seems fairly self-explanator you'd thinky, however shortly after abandoning my application I received an email inviting me to finish and log in as I would not get charged for 30 days! Is this just a generic email, or can I hold them to it? It certainly contradicts their position of not offering a trial to previous applicants, hence my confusion!

I received a second free trial from Experian at the end of last year under similar circumstances. Had no problems and wasn't charged.

lisyloo

I could be wrong but this does not sound like an offer to me.
It sounds like a standard email for people that don't complete.

efunc

statutory report it is then. In my experience though it has very little on it compared to the paid online record. No credit scores, ratings or other details.

The last time I applied for my Limited Subject Access Report from all the agencies they literally just confirmed that I lived at my address and had no listed CCJs! Absolutely nothing about my finances or credit cards, etc, and I know they are aware of them all because they asked me detailed questions about my cards to verify my ID when I tried to apply for the 30 day trial. Oh well...

Experian_company_representative

efunc - you get all of your credit report data no matter which option you choose. The score is not a part of your credit report but is an added extra. Perhaps the statutory report you received was incomplete because it didn't cover all of your addresses?

izools - do you want a job?!

James Jones

BugsyBrowne

Experian_company_representative wrote: »

efunc - you get all of your credit report data no matter which option you choose. The score is not a part of your credit report but is an added extra. Perhaps the statutory report you received was incomplete because it didn't cover all of your addresses?

izools - do you want a job?!

James Jones

He would know a lot more than 90% of the muppets your got working their now.
Never known such a company like it.

coolesticeking

efunc wrote: »

statutory report it is then. In my experience though it has very little on it compared to the paid online record. No credit scores, ratings or other details.

The last time I applied for my Limited Subject Access Report from all the agencies they literally just confirmed that I lived at my address and had no listed CCJs! Absolutely nothing about my finances or credit cards, etc, and I know they are aware of them all because they asked me detailed questions about my cards to verify my ID when I tried to apply for the 30 day trial. Oh well...

The statutory report has all you need, as you say it does not give you a credit score.

To be honest, you should know yourself how well you are doing.. If you pay all your bills on time, never had a default etc then you will have a good credit score.

The problem with these paid for credit scores/rating is each lender has a different lending criteria.

If you paid for this score and got 999 as an example, in my own personal view that would be fantastic. But depending on the criteria it does not mean you will be 100% guaranteed credit from a lender that is up to them.

Others have said they have paid for these types of scores/ratings and it says they have such a high credit score.. Gone on and applied for the lowest rate credit card and still have been declined..

In my own personal view, a waste of good money!

BugsyBrowne

coolesticeking wrote: »

The statutory report has all you need, as you say it does not give you a credit score.

To be honest, you should know yourself how well you are doing.. If you pay all your bills on time, never had a default etc then you will have a good credit score.

The problem with these paid for credit scores/rating is each lender has a different lending criteria.

If you paid for this score and got 999 as an example, in my own personal view that would be fantastic. But depending on the criteria it does not mean you will be 100% guaranteed credit from a lender that is up to them.

Others have said they have paid for these types of scores/ratings and it says they have such a high credit score.. Gone on and applied for the lowest rate credit card and still have been declined..

In my own personal view, a waste of good money!

Don't matter how many times you check Equifax,Experian whoever you will never ever know your credit score.