Petition for experian to stop ripping customers off.

lisyloo

but many thousands out there are probably unaware of this facility

So what you actually want is a petition to stop charging people who can't be bothered to spend time reading and shopping around.

You are wasting you time - and everyone else's.
Goodbye.

mark101

Off topic here but do the credit reports include bank/credit card account no's?

auto-man

Tixy wrote: »

£2 to get a copy of the data they hold on me?
Not a bad deal considering any other organisation can charge £10 under the data protection act.

But the statutory report is limited under data protection whereas the s.7 request is full disclosure so you cannot remotely try and link the two as they are different in every way possible.

Yes CRA's are a rip off. We should have free access.

auto-man

mark101 wrote: »

Off topic here but do the credit reports include bank/credit card account no's?

only the last few digits (to us) but to lenders that search, no it does not even name the lender it only shows then you have X type of account with X balance and X limit (plus any additional info within the monthly reporting feed)

mark101

auto-man wrote: »

only the last few digits (to us) but to lenders that search, no it does not even name the lender it only shows then you have X type of account with X balance and X limit (plus any additional info within the monthly reporting feed)

Thanks very much.

MonkeyMad

Does the general public REALLY need to constantly be checking their credit rating in order to make these products exist?

BugsyBrowne

lisyloo wrote: »

So what you actually want is a petition to stop charging people who can't be bothered to spend time reading and shopping around.

You are wasting you time - and everyone else's.
Goodbye.

Well some of us WORK lisyloo so many people haven't got time like yourself to find out the inside And outs of credit expert by posting on the forum from dusk till dawn.

gazfocus

I do agree that Experian are a rip off for their monthly subscription, but I currently have a subscription with Equifax.

The only reason I have my subscription is because I'm in the process of sorting my credit report out with the aim of buying a house and it's useful to have an email if something on my credit file changes. I get a copy of my credit report once a month (or more if something changes) and am generally happy with the convenience, although, as soon as we have bought a house, my subscription will be cancelled.

However, I would not even be tempted to pay anything like the price of Experian. Equifax only charge £6.99 a month compared to Experian's £14.99.

On the subject of the statutory report though, you can order one online (and view it online) with Experian but you still have to wait for them to post you a passcode which kinda defeats the point.

stclair

If your an RBS or Natwest fee paying current account holder you can view your Experian credit report at anytime for free...

Gromitt

BugsyBrowne wrote: »

Well some of us WORK lisyloo so many people haven't got time like yourself to find out the inside And outs of credit expert by posting on the forum from dusk till dawn.

I work full time, but I find time to do important things like checking my credit report. It takes less than 5 minutes to check the report. I can (and do!) check it whilst sitting on the toilet.

Likewise, a quick web search turns up Noddle as a provider of free credit reports, plus its been advertised in many of the major news publications by the press.