Getting my credit reports....impossible?!

sacha28

Having taken out a DRO in January, it's not long until I'm discharged :j
I have NEVER seen my credit report, even at citizens advice I refused to look at it when sorting the DRO as I was simply too ashamed, so thought I had better acquaint myself with it as I will need to do some 'cleaning up' in a couple of months (ok 3 )

I have just tried to get my experian report but, for some reason, won't use my debit card to verify who I am and asks for a credit card. Now I'm financially delinquent so don't have one, I don't even have another bank card, so what do I do??

Tixy

You could order them by post and send a postal order.

You can do this for each of the 3 agencies, download the statutory report postal form from the websites.
e.g.
http://www.experian.co.uk/consumer/statutory-report.html choose the order by post option.

sacha28

3 agencies? Who are the other ones?!

Tixy

Experian, equifax and callcredit (aka noddle).

You could see if your debit card is recognised on equifax and noddle websites but if not again go for the paper reports.

sacha28

Flamin 'eck just asked for the £2 stat report from equifax and one of the security questions was that my report shows a mortgage account opened in 2004 and who was the provider!!! I have never even applied for a mortgage....anything to worry about?

Tixy

Sounds a bit odd, hopefully when you get your file it will turn out to be an unsecured loan of yours or something??

I shouldn't worry about it yet.