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Why do people waste money with the online credit reports

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Comments

  • tinkerbell28
    tinkerbell28 Posts: 2,720 Forumite
    I have a great credit score, and no adverse information. I don't pay £14.99 either.....an awful lot less. £6 as I went to cancel when it was full whack. But at £6 I kept it on for peace of mind.
  • CherlokHomes
    CherlokHomes Posts: 614 Forumite
    tinkerbell28 wrote: »
    I have a great credit score, and no adverse information. I don't pay £14.99 either.....an awful lot less. £6 as I went to cancel when it was full whack. But at £6 I kept it on for peace of mind.

    Yep you're one of them I mentioned.
    "You know when it's cold outside when you go outside and it's cold"
  • Stroma
    Stroma Posts: 7,971 Forumite
    Uniform Washer
    Noddle is free
    When posting a parking issue on MSE do not reveal any information that may enable PPCs to identify you. They DO monitor the forum.
    We don't need the following to help you.
    Name, Address, PCN Number, Exact Date Of Incident, Date On Invoice, Reg Number, Vehicle Picture, The Time You Entered & Left Car Park, Or The Amount of Time You Overstayed.
    :beer: Anti Enforcement Hobbyist Member :beer:
  • kirkbyinfurnesslad_2
    kirkbyinfurnesslad_2 Posts: 2,340 Forumite
    tinkerbell28 wrote: »
    I have a great credit score, and no adverse information. I don't pay £14.99 either.....an awful lot less. £6 as I went to cancel when it was full whack. But at £6 I kept it on for peace of mind.

    How do u know u got a great credit score? Did a bank show you yours?
    Proud to be a member of the Anti Enforcement Hobbyist Gang.:D:T
  • tinkerbell28
    tinkerbell28 Posts: 2,720 Forumite
    I don't watch it for my score. I use it for alerts services, as I can't have an adverse credit record. I certainly don't want ID fraud again. So £6 is pure peace of mind that I can jump on it.

    A black mark on my file would be a big problem for me. So I don't expect you to get it. Nor do I really care that paying £6 a month instead of £2. Bothers you so much. But yes I've got a high internal bank score as I checked :rotfl: mortgage time.
  • ILW
    ILW Posts: 18,333 Forumite
    I went thru an ID fraud period a few years ago with masses of credit apps being put in in my name. I now pay a monthly fee (£.6.00) and get emailed updates if any thing changes on my files, such as searches etc. Seems worth it to me but will let it go if nothing happens after a few years.
  • CherlokHomes
    CherlokHomes Posts: 614 Forumite
    tinkerbell28 wrote: »
    I don't watch it for my score. I use it for alerts services, as I can't have an adverse credit record. I certainly don't want ID fraud again. So £6 is pure peace of mind that I can jump on it.

    A black mark on my file would be a big problem for me. So I don't expect you to get it. Nor do I really care that paying £6 a month instead of £2. Bothers you so much. But yes I've got a high internal bank score as I checked :rotfl: mortgage time.

    Most people who pay their wages into a bank and don't bounce cheques or return DD's have a good internal score with their bank,so I wouldn't jump on to that to much.
    "You know when it's cold outside when you go outside and it's cold"
  • tinkerbell28
    tinkerbell28 Posts: 2,720 Forumite
    Innovate wrote: »
    Most people who pay their wages into a bank and don't bounce cheques or return DD's have a good internal score with their bank,so I wouldn't jump on to that to much.

    Good stuff. We all know a score is meaningless. Is the data that counts. My file is good and I intend it to stay that way, as it needs to be. So £6 for unlimited monitoring, when it would be £2 for one report. Is a bargain. Simple.
  • Gordon_Hose
    Gordon_Hose Posts: 6,259 Forumite
    Debt-free and Proud!
    Noddle gave me a 5/5 score, do I win something??
  • Goldiegirl
    Goldiegirl Posts: 8,806 Forumite
    Part of the Furniture 1,000 Posts Rampant Recycler Hung up my suit!
    kirkbyinfurnesslad wrote: »
    Good point. Having 24/7 access to your credit file is an unneeded obsession.....

    I'm fairly new to MSE, and the one thing that has suprised me is people's seeming obsession about their credit score/file
    Early retired - 18th December 2014
    If your dreams don't scare you, they're not big enough
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