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Credit File cost?

VK-2008
VK-2008 Posts: 926 Forumite
in Bankruptcy & living with it
Hi

Sorry if there is already a thread on this, but short for time to look, my hubby and i both need to check our credit files online asap, the last time we done it, it was about 8-9 pounds each, when i went on tonight it was 15!! is this right? are there any places i can get it cheaper?
do you know how long it takes to get paper copy/

thanks in advance xx
:A VK :A

Comments

  • GMS
    GMS Posts: 5,388 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    £2 for a statutory report online from Equifax, Experian or Call Credit.
    I am a Mortgage Adviser
    You should note that this site doesn't check my status as a mortgage adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.
  • philnicandamy
    philnicandamy Posts: 15,685 Forumite
    10,000 Posts Combo Breaker
    http://www.ico.gov.uk/for_the_public/topic_specific_guides/credit.aspx
    We all die. The goal isn't to live forever, the goal is to create something that will
  • Ineedaname
    Ineedaname Posts: 3,681 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Fantastic link Phil, I'm always searching the agencies' website for where they've hidden their addresses!

    When you apply for your Statutory Report you need to supply 6 years worth of addresses, date of birth, full name and other names you have been known by. I think that's everything.
    When I joined, I needed a name. The forum members gave one to me...I am INAN :D
    "Fortunes ebb and flow and a boat must move with the tide and be thankful that it floats." Judith Allnatt
  • scarlet55
    scarlet55 Posts: 21,780 Forumite
    Rampant Recycler
    VK-2008 wrote: »
    Hi

    Sorry if there is already a thread on this, but short for time to look, my hubby and i both need to check our credit files online asap, the last time we done it, it was about 8-9 pounds each, when i went on tonight it was 15!! is this right? are there any places i can get it cheaper?
    do you know how long it takes to get paper copy/

    thanks in advance xx
    i went on-line and got the free 30 day credit report from experian...dont 4get to cancel it though.
  • philnicandamy
    philnicandamy Posts: 15,685 Forumite
    10,000 Posts Combo Breaker
    scarlet55 wrote: »
    i went on-line and got the free 30 day credit report from experian...dont 4get to cancel it though.

    One thing to bear in mind though...I found the paper copies were more useful & contained a bit more info than the online bit

    and if even with the 30 day trial once you cancel thats it..you cant register again as the deal is for 1 time new users only :cool:
    We all die. The goal isn't to live forever, the goal is to create something that will
  • scarlet55
    scarlet55 Posts: 21,780 Forumite
    Rampant Recycler
    philnicandamy wrote: »
    One thing to bear in mind though...I found the paper copies were more useful & contained a bit more info than the online bit

    and if even with the 30 day trial once you cancel thats it..you cant register again as the deal is for 1 time new users only :cool:
    actually i found the opposite to be true...i sent for my experian report a few weeks ago and one of my creditors was not listed on it so i went on-line and got the free 30 trial and it was listed on there...plus there was a lot more information than on the paper one, dont know how this happened but that was my experience...
  • dojoman
    dojoman Posts: 12,027 Forumite
    Have to agree with Phil here, I found the on line reports were no where as near as comprehensive as the paper ones.
    :pB&SC No. 298
    Life`s Tragedy is that we get OLD too soon
    and WISE too late!
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