Experian vs. Equifax

Jacster_2

This is a really useful thread.

I have just ordered my report online from Experian. Cost £2, and should be sent within 7-10 days.

I went to do the same with Call Credit and Equifax, and was stunned to see their prices.

Call Credit want £7.50 and Equifax want £11.75 to see my reports.

Does anyone know if I can still get my report for £2 if I apply by post - can't find any reference to this on their websites. What prices have you paid?

Thanks!

Reaper

They are not allowed to charge you more than £2 for the basic report, but they do make it hard to find on their web sites. Here is the Experian one and here is Call Credit's.

We_Laugh_Indoors

Reaper wrote:

They are not allowed to charge you more than £2 for the basic report, but they do make it hard to find on their web sites. Here is the Experian one and here is Call Credit's.

glad i saw this, i was just about to ask how to find the online reports.

all i can ever see is the company trying to get me to do a free trial of something, promptly taking my card details and hoping i forget!

Sarahsaver

I would recommend at least 2 credit reports, because my report from experian is squeaky clean, but on my equifax one my ex husband's name appears as a financial associate (NOT!) which has made a huge difference to me - i.e. been turned down for jobs and a bank account because of this. Knowledge is power!

danjaq2004

Interesting thread!

My Equifax is clean and used the £12 (ish) online report thing and this included a credit scrore (they deemed me 444 - good) as well as the report itself.

Only opted for the £2 jobby from Experian, wonder what they have to say!

jimmyjim_uk

Creation Financial Services (Duet Store Cards) search using Experian.

They log account details with them also.

Glowboy

Sygma Bank (store cards) use Equifax.

:j

Chris2000

Citibank have searched with Experian.

random_2-2

Just thought I'd add something to the forum instead of just taking.

At present most companies only have 1 link to either Experian or Equifax (Call Credit are new to the industry and so it will take sometime before they accumulate enough data) for making a credit search on applications (eg. searches) and on reporting accounts.

However, a lot of companies are now toying/implementing systems to deal with both for 2 reasons:

1) Competition will result in cheaper fees for the company
2) More accurate results resulting in a "better" decision for them

More companies report on accounts to both agencies than use them for searches.

Bluelady_2

Does anyone know which credit card companies, other than Marbles and Cahoot, search only Equifax?