credit repoert - experian credit expert

loveGSDs

hiya

im looking to check my credit rating on experian, it says its free for 30 days. does this mean i will have to pay after 30 days if i sign up and view it today or is it only if i want to check my rating again after 30 days? :huh:

thanks

Tixy

You have to provide credit card details when you sign up, you are signing up to an ongoing agreement. You'll get 30days free and in future months you will be charged. But if you don't want to be charged each month going forward you have to cancel your agreement with them before the 30days are up.

fermi

If you sign up the the free trial, then you will automatically be charged £14.99 per monthsonce the one month trial has expired.

So, YOU MUST cancel the free trial before it ends to avoid that.

loveGSDs

oki doke

thanks guys

i take it there aren't any out there that dont charge?

Tixy

You can order the statutory report from any CRA for £2, or experian and equifax do the free trials which are free to you providing you remember to cancel.
If you think you are likely to forget then it might be better to get the statutory reports. And if you've used the free trial in the past but want another report in the future then go for the statutory report.

chanz4

checkmyreport isnt bad, but experian part of it is poor

fermi

loveGSDs wrote: »

i take it there aren't any out there that dont charge?

Not that provide any up to date or even faintly trustworthy data.

As said, beyond a free trial with Experian or Equifax, you are FAR better off paying the £2 a go for the statutory credit report direct from the CRAs.

Idiophreak

Tixy wrote: »

if you've used the free trial in the past but want another report in the future then go for the statutory report.

Interesting...I'd used the free trial before, cancelled for a while, then just had another trial - and cancelled again. Didn't need to pay anything...

Tixy

There seems to be occasional cases like your where people manage to have 2 free trials. But mostly people only get one (per credit agency).

Experian_company_representative

There are only three credit reference agencies in the UK, Experian, Equifax and Callcredit.

Experian doesn't provide credit history data to the check my file reselling service even though it says you can get a three agency report from them.

James Jones

Hopelessly_Hopeful

Please could I ask what CRA is?

HHx