Credit Report?

LisaLash

Who would you say where the best company to go to for your credit file?
Experian, Credit Expert, Equifax...???

Any feedback?

Thanks

Tixy

Experian is Credit Expert

There are 3 different credit reference agencies, experian, equifax and callcredit. They will all show different information as most lenders only report to one or 2 of the 3.
As a minimum I would get your statutory £2 file from both Experian and Equifax. These are both far bigger than callcredit.

mpc1

I had an experian report - found it really helpful. Decided to cancel though as it was £14 a month I simply didnt need to spend! My score was getting better at 868, but the day I cancelled by report membership it fell to 168!!!!!!!! Anyone had a similar experience???

Gordon_Hose

Don't sign up to their rip-off monthly services. The £2 statutory reports are fine.

Tixy

mpc1 wrote: »

I but the day I cancelled by report membership it fell to 168!!!!!!!!

Sounds like an error, a cynic might say to make you sign up again.
The scores are pretty useless anyway and certainly not worth the ongoing fee for. Best bet is just to check the statutory report periodically for £2 a time to ensure everything is correct.

joe1685

Equifax --very bad for me I call them 0844 and they asked a lot of Questions about your accounts etc and you need to remember every details to verify you then you have to send two ID's :mad:.
I sent via there web site a masssage to call me never did and the call centre is out side the UK where they didn't pass you to the line manager when ask to:mad:.
don't bother with them

Experian---- my wife had no problem with them:T

chanz4

sign up for noddle, they are still taking apps just have to wait a few weeks