📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Beware of Equifax

Ok, just thought I should warn people, and can't find it anywhere else in the forums, but i'm a newbie so might have missed it...

I signed up to equifax to look at my credit report on their free 30 day trial less than 30 days ago...

Phoned them up today on an 0845 number :( as they will not let you cancel online...First they tried to offer me the service for £3.99 (useful to know if you want it, but don't want to pay £8.99 a month).

I said, not thanks, just cancel it. The lady then went on to say that they don't like to leave their customers unaware, so I will continue to receive alerts if anything changes on my credit file for a year, but would have to sign up again in the future or pay the one off £2 fee to look at it once in the future to check it. At this point I'm thinking oh wow, that's quite good as I haven't paid them anything yet....and then the lady says, if you like this, after a year you will start getting charged £2.99 a month for it to continue! and they will automatically start taking payments from the card you first used to create the account!

I had to argue with her for about 10 minutes to say no I did not want the 'free' alerts and I do not agree to Equifax ever taking money out of my account, unless I buy one of the £2 credit reports when I want one.

Just a warning for anyone thinking about singing up to them to get a credit report as they will try to get money out of you somehow! It might just be easier to pay the £2 for a one off report if you don't need to check yours that often

x

Comments

  • Tixy
    Tixy Posts: 31,455 Forumite
    Obviously its too late for you LH, but for anyone reading this post in future there is also a normal phone number you can try which can work out cheaper on some mobile tariffs - though obviously not as good as experian's freephone.
    Plus note down how to cancel: To request cancellation, call 0844 335 0550 (020 7298 3000, and asking for customer services can also work). Quote your product reference.
    A smile enriches those who receive without making poorer those who give
    or "It costs nowt to be nice"
  • I cancelled my thing with them with ease. They are terrible, even a free Noddle report is better than Equifax.
    "All truths are easy to understand once they are discovered, the point is to discover them."


  • The_Boss
    The_Boss Posts: 5,863 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    LH123 wrote: »
    Ok, just thought I should warn people, and can't find it anywhere else in the forums, but i'm a newbie so might have missed it...

    I signed up to equifax to look at my credit report on their free 30 day trial less than 30 days ago...

    Phoned them up today on an 0845 number :( as they will not let you cancel online...First they tried to offer me the service for £3.99 (useful to know if you want it, but don't want to pay £8.99 a month).

    I said, not thanks, just cancel it. The lady then went on to say that they don't like to leave their customers unaware, so I will continue to receive alerts if anything changes on my credit file for a year, but would have to sign up again in the future or pay the one off £2 fee to look at it once in the future to check it. At this point I'm thinking oh wow, that's quite good as I haven't paid them anything yet....and then the lady says, if you like this, after a year you will start getting charged £2.99 a month for it to continue! and they will automatically start taking payments from the card you first used to create the account!

    I had to argue with her for about 10 minutes to say no I did not want the 'free' alerts and I do not agree to Equifax ever taking money out of my account, unless I buy one of the £2 credit reports when I want one.

    Just a warning for anyone thinking about singing up to them to get a credit report as they will try to get money out of you somehow! It might just be easier to pay the £2 for a one off report if you don't need to check yours that often

    x

    Did they eventually agree not to give the free alerts for a year followed by charging you?
  • Yes, eventually the woman said ok, I have cancelled your account and have not processed the request for 'free' alerts.....I will be keeping an eye on my emails to see if I get anything through for them.

    Wish I'd known about the other number to phone, I obviously didn't search hard enough!

    That'll teach me :doh:
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.4K Banking & Borrowing
  • 253.3K Reduce Debt & Boost Income
  • 453.8K Spending & Discounts
  • 244.4K Work, Benefits & Business
  • 599.7K Mortgages, Homes & Bills
  • 177.2K Life & Family
  • 258K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.