26 & New to CREDIT!

IKEA_1986

sfax wrote: »

You might want to check forum rules on advertising tooQUOTE]


Sorry and I do apoligise sfax.

Removed and thanks for the heads up.

However, apart from that, feel free to give advice.

DCFC79

Are you paying the monthly fee for the memberships with all 3 CRAs ?

IKEA_1986

DCFC79 wrote: »

Are you paying the monthly fee for the memberships with all 3 CRAs ?

Only with 2. Experian & Equifax - CallCredit is free via Noddle.

How come?

sfax

IKEA_1986 wrote: »

Only with 2. Experian & Equifax - CallCredit is free via Noddle.

How come?

Because you're wasting your money. You really don't need a subscription to any of them. Just get your £2 statutory reports from Experian and Equifax every 6 months or every year (and always before a new application) and supplement them with Noddle

DCFC79

sfax wrote: »

Because you're wasting your money. You really don't need a subscription to any of them. Just get your £2 statutory reports from Experian and Equifax every 6 months or every year (and always before a new application) and supplement them with Noddle

This, your wasting your money, unless you want to throw it down the drain.

Your basically paying for a number which the onlny person who can view it is yourself and no one else.

IKEA_1986

I understand that.

This is only a recent procedure I have been carrying out for myself and my future plans to make sure exactly what I can and need to do.

In regards to the CRAs, I have not paid anything as of yet but will be charged at the end of the working month. So, mynext call will be to cancel my memberships.

IKEA_1986

DCFC79 wrote: »

This, your wasting your money, unless you want to throw it down the drain.

Your basically paying for a number which the onlny person who can view it is yourself and no one else.

Yes I can view it and no one else of a personal matter, however, I want to see what the financial firms see hence why I checked all CRAs. Simple. As you are aware, not all UK financial firms use all 3 CRAs and each of them can hold different information. I gained access to all three to cross reference all information for my own eyes and then seek advice.

The reason of the popst was for advice on how to start credit due to my unique circumstances, not to be quizzed on wasting money (when none has been spent)

:rotfl:

AFK_Matrix

Yes but you can access your credit report for £2 instead of having to pay a monthly fee which is pointless. You only really need to check ur credit report say once a year or if your wanting to get a mortgage, loan etc.

DCFC79

IKEA_1986 wrote: »

Yes I can view it and no one else of a personal matter, however, I want to see what the financial firms see hence why I checked all CRAs. Simple. As you are aware, not all UK financial firms use all 3 CRAs and each of them can hold different information. I gained access to all three to cross reference all information for my own eyes and then seek advice.

The reason of the popst was for advice on how to start credit due to my unique circumstances, not to be quizzed on wasting money (when none has been spent)

:rotfl:

Funny that, I always assumed this was a Money saving site, hey what do you know it is. For all I was aware you could have been another poster who would be paying the monthly sub as we have had posters who get all fixated on the "number " on experian so why can't they get a loan.

Yes im quite aware of registering with all 3 CRA's but that wasn't my question was it. The good thing is your going to/or plan to cancel the subscription.

sfax

IKEA_1986 wrote: »

I want to see what the financial firms see hence why I checked all CRAs.

You miss the point. You can get all 3 CRA credit reports without a subscription and if you hadn't read the advice on this forum, you may have continued your free trials into a £15/month Experian subscription and whatever Experian charge at full price, so you should be grateful rather than disparaging.

As for being "quizzed" on wasting money, you asked a question, namely "how come?" and we answered it, and has been pointed out, check the name of the website