Statutory Report query

kelp7

Hi,

Is there a difference in how much information is shown on your statutory report when compared with these monthly paid for 'constant access' online reports that Experian et al offer?

Thanks

Tixy

No. The core data of the report remains the same (allbeit that the statutory report is just a snapshot in time). And it is the core data that any potential lender would see and assess when making a lending decision.

The monthly paid services give you a score or category rating and suggest fairly catch-all potential negatives to your file, but that is subjective opinion on your file.

kelp7

Thanks! Exactly what I wanted to know.

Experian_company_representative

That's right. Your credit report is defined by law as a copy of the information about you a lender could see through a credit check. So it's the same basic data regardless of how you access it. The subscription services simply provide additional functionality and benefits.

James