Check my file trial or 3 reports?

Erinnire

Hi,

I want to have a look at the damage on my credit file. I know it's poor but I have some defaults with Vodafone that should be coming off now. I'm not bothered about my score as such I just want to make sure the data is all right as I have moved about a lot in the last 3 years. I am also not applying for any credit anytime soon.

I am wondering whether to sign up for the checkmyfile 30day trial that's free too see all 3 reports but wanted to check it was reputable etc... Or do I just request the £2 reports from each company. I tried to sign up to Noodle a few weeks ago but they rejected my sign up and couldn't verify who I am haha!

Thanks

YorkshireBoy

If you're considering checkmyfile, presumably you've read their T&Cs?

What did you think to condition 10...especially the 3rd para?

That would make me want to go direct to the CRAs. Do you agree?

Tixy

If you want to be certain what is on all your files then I would use the 3 main agencies and check them individually.

A report from checkmyfile does not contain the data from your experian report (aside from the public data), and if there are any errors on your report you would need to contract the main agencies anyway.

If you just want to check a default has dropped off then it might be worth trying to registerg with noddle again (I had issues the first couple of times I tried to register with them but then a few weeks later it was fine).

Erinnire

YorkshireBoy wrote: »

If you're considering checkmyfile, presumably you've read their T&Cs?

What did you think to condition 10...especially the 3rd para?

That would make me want to go direct to the CRAs. Do you agree?

I did have a quick look through them. I thought that just meant that I would get to see more years in history than with my other reports? so thought that might be a better overview of my file. Or have I got that completely wrong?

They also store credit reports but as I only wanted the trial I didn't really think it would matter to me.

Although I am now thinking I have obviously missed something and am being a bit thick so I will just apply for the reports individually

Thank you

UsetheFORCE

Erinnire wrote: »

I did have a quick look through them. I thought that just meant that I would get to see more years in history than with my other reports? so thought that might be a better overview of my file. Or have I got that completely wrong?

They also store credit reports but as I only wanted the trial I didn't really think it would matter to me.

Although I am now thinking I have obviously missed something and am being a bit thick so I will just apply for the reports individually

Thank you

Checkmyfile.com don't really give detailed information on Experian.

https://www.privacyguard.co.uk 30 DAY FREE TRIAL if you want EXPERIAN DATA including credit score...