MoneySaving Poll: Do you check your credit files?

Former_MSE_Liane Posts: 27 Forumite
edited 17 June 2014 at 11:40AM in MoneySaving polls
Poll started 17 June 2014

Do you check your credit files?

In the last five years, credit checking has become far more important. It decides whether you get mortgages, contract mobiles, credit cards, even whether you can pay for energy the cheapest way.

One small error on your files, which are held at Callcredit, Equifax and Experian, can cause havoc.

So how often do you check? Which is the nearest to your situation?

Did you vote? Are you surprised at the results so far? Have your say below. To see the results from last time, click this.

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  • torbrex
    torbrex Posts: 71,340
    Combo Breaker First Post Rampant Recycler Hung up my suit!
    I have never checked, I have no reason to check and I would not even know how to check.
  • cydney65
    cydney65 Posts: 829
    First Post First Anniversary Combo Breaker Stoptober Survivor
    All three, every year :)
    TOTAL DEBT @ LBM : 17082.66 DEBT FREE 7/01/13 Save 12K in 2019 No. 63; Jan £816.08 Total £816.08/£5000 :o Penny a Day £108.50 We all grow old, use your life, the world goes and flutters by
  • bsms1147
    bsms1147 Posts: 2,261
    First Anniversary Name Dropper First Post Combo Breaker
    Noddle report, free, monthly.
  • Tiglath
    Tiglath Posts: 3,816
    First Post First Anniversary Combo Breaker Debt-free and Proud!
    Noddle monthly, but the poll doesn't cover that option.
    "Save £12k in 2019" #120 - £100,699.57/£100,000
  • Rotor
    Rotor Posts: 1,046
    First Anniversary First Post
    Needs the option - ' when there's a problem'
    I think a lot of people will only check when they have been turned down for a product they expected to get.
  • WantToBeSE
    WantToBeSE Posts: 7,729
    I've been Money Tipped! Debt-free and Proud!
    Yes, Noodle here too, every month :) I have been trying to improve my credit score and have gone from 2/5 to 4/5 so I think that's good :)
  • Hi Tiglath,

    Noddle is part of the Callcredit group - hope that helps!
  • JimmyTheWig
    JimmyTheWig Posts: 12,199
    Name Dropper First Post Combo Breaker First Anniversary
    MSE_Liane wrote: »
    Hi Tiglath,

    Noddle is part of the Callcredit group - hope that helps!
    I don't think that helps, I'm afraid.
    Those of us who use Noddle aren't paying a monthly subscription so "I have an ongoing credit monitoring product with one agency" doesn't really fit, but the option "I check my credit files with at least one agency a year" doesn't seem strong enough.
  • Maat
    Maat Posts: 478
    First Anniversary Combo Breaker First Post
    I've gone from never having a problem with getting credit for most of my life to being in poverty and probably never being able to get credit, so there's really been no point for me. I already know I don't stand a chance of getting credit now. If I ever have a decent income again it'd be worth checking and making sure they're all accurate and I'd do that.
  • PasturesNew
    PasturesNew Posts: 70,698
    Name Dropper Photogenic First Anniversary First Post
    Never checked.
This discussion has been closed.
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