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£14.99 for a credit report from Experian....

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Leon_Telford
Leon_Telford Posts: 109 Forumite
in Debt-free wannabe
........ Is it me or is £14.99 a month a disgrace?
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RBS & Barclays only creditors left!
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Comments

  • jlojgirl
    jlojgirl Posts: 11 Forumite
    Well, I was just watching This Morning and Martin Lewis was on there, and he said that you can register free to check your account. So you sign up, check your file, then deactivate your account.

    I haven't checked my account for years, so went in and registered, and it said I had an old account and to reactivate, but to still pay £14.99! Martin Lewis just said you can do this for £2 for a one off check???
  • Leon_Telford
    Leon_Telford Posts: 109 Forumite
    Yeah just shelled out £2 for it, not a massive issue for me hence refuse to pay £14.99 a month.

    However signed up for the 'free trial' years ago so it's not an option for me.
    [STRIKE] Quick Quid[/STRIKE]
    [STRIKE] Orange[/STRIKE]
    [STRIKE] Wonga[/STRIKE]
    [STRIKE] Home Learnimg College[/STRIKE]
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    RBS & Barclays only creditors left!
  • choclover
    choclover Posts: 522 Forumite
    Leon_Telford wrote: »
    ........ Is it me or is £14.99 a month a disgrace?

    I guess that's how they make their money.
    £2013 in 2013 £866.71/£2013
    DF by Xmas 2013 #027£841.28/£6000 (14.02%) 12/2
    DFD February 2015 £2,303.63/£19,520.26 (11.80%)
  • Tixy
    Tixy Posts: 31,455 Forumite
    jlojgirl wrote: »
    Well, I was just watching This Morning and Martin Lewis was on there, and he said that you can register free to check your account. So you sign up, check your file, then deactivate your account.

    I haven't checked my account for years, so went in and registered, and it said I had an old account and to reactivate, but to still pay £14.99! Martin Lewis just said you can do this for £2 for a one off check???

    jlojgirl - you need to choose the 'statutory credit file' to get a copy of your file for £2. If you try to reactivate an old account you will be charged for full access.

    You can do a free trial with experian if you've never signed up for the online service before.
    Similarly you can do a free 1 month trial just once with equifax. But noddle (callcredit) have free access permanently (although noddle is the smallest of the 3 agencies and its usually advised to get copies of all your files as they will vary).
    A smile enriches those who receive without making poorer those who give
    or "It costs nowt to be nice"
  • Tixy
    Tixy Posts: 31,455 Forumite
    Leon_Telford wrote: »
    ........ Is it me or is £14.99 a month a disgrace?

    Obscene. Even worse than when it was £6.99/month for the basic credit report (without the score). Now there is no option for that service and if you want to subscribe you have to go for the £14.99 with the worthless credit score included.

    Hopefully more and more people will realise what a waste of money it is and stop subscribing.
    A smile enriches those who receive without making poorer those who give
    or "It costs nowt to be nice"
  • fermi
    fermi Posts: 40,542 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Rampant Recycler
    jlojgirl wrote: »
    I haven't checked my account for years, so went in and registered, and it said I had an old account and to reactivate, but to still pay £14.99! Martin Lewis just said you can do this for £2 for a one off check???

    ---> Order your £2 Statutory Credit Report
    Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB

    IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed
  • Locana
    Locana Posts: 478 Forumite
    Hi

    I think you can call them and ask for the 6.99 option without the credit score.. Im sure.

    Thanks
    Lo
  • fatbelly
    fatbelly Posts: 22,921 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Cashback Cashier
    Where is James telling us what good value his service is?

    It's certainly a profitable business

    Experian leads FTSE100
  • chanz4
    chanz4 Posts: 11,057 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Xmas Saver!
    you can get the £6.99 but you have to pay the £14.99 first then call up and ask for it
    Don't put your trust into an Experian score - it is not a number any bank will ever use & it is generally a waste of money to purchase it. They are also selling you insurance you dont need.
  • stclair
    stclair Posts: 6,853 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Have you got an RBS fee paying current account OP?
    Im an ex employee RBS Group
    However Any Opinion Given On MSE Is Strictly My Own
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