Credit report

sheryldoc

Jst ordered my report from Experian £5.99 a mnth!.. is this worth it?... or have I been daft?

( already had free trial last yr sometime)

Tried to view my report and said sorry we r having probs come bk later.. and then wanted an extra £4.99 for my credit score!

Nuclear_Tom

I used credit experts free trial, and cancelled straight away.

To be honest I find giving them a bell and getting a paper copy for £2 is much better value

sgx.saint

https://www.garlik.com/index.php

Free

Nemisis_WOF

Well i am a member of credit expert from experian also and i have found it invaluable recently as my identity has been stolen and i would never have known it without having been a member of experian online.

I know what you mean about it saying it's having problems, it does this every night! they seem to shut the site down so you cannot access your credit report at night hours but i've never had a problem during the day.

Yes it is £6 a month give or take a penny but it has just saved me what could have been thousands. The tennents at my old house have used my name to open about 6 different accounts with catalogues and also got a store card. Luckily i spotted this about a month after they had done it and the police are now involved, but if i had not had experian i might not have spotted it till a year or so later by which time they could have got god knows how many credit cards and so forth and i would be paying the bill.

The CID officer that came round last week said he had dealt with a similar case last year and the guy got caught but not after he had run up over £30,000 in goods and credit over a year and a bit, and CID said they had to get a fleet of transit vans to his house as virtually everything in it was gained from the fraud and it all had to be taken away as evidence,

Phoenix79_2

£2 paper copy is all you need. Get one from all three agencies. You are being ripped off by paying for a 'score' as these figures mean nothing.

h_roberts

Found the credit 'score' site, signed up for 'free trial' report, got it, read it. Not much use. Cancelled my 'subscription' but quick!

Maid_of_Kent_3

sgx.saint wrote:

https://www.garlik.com/index.php

Free

But only for the first time. It does not update during the trial period. After that it is (iirc) £29 per year.

Also you cannot see it immediately on line. You have to wait for them to verify your identity and snailmail you an access code

sheryldoc

Thanx peeps..

I have already had the free Credit Expert trial.. so had to pay..

i didnt pay for my credit score thing I knew that was nonsense..

And I still cant access the thing LoL.. im cracking up here!

I got my Garlik one.. but like sumone mentioned it doesnt update..x

sgx.saint

But only for the first time. It does not update during the trial period. After that it is (iirc) £29 per year.

Also you cannot see it immediately on line. You have to wait for them to verify your identity and snailmail you an access code

Yup. But perfectly fine for those wanting to just do a simple one off check of their credit report. The postal code you need usually comes within 3 days, so quite quick.

Quicker and cheaper than sending for a paper copy of your report from Experian.