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Experian CreditExpert reclaiming article

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Reclaim Experian CreditExpert guide

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  • GarethRGarethR Forumite
    242 posts
    Part of the Furniture Combo Breaker
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    Just had a quick look back & seems I've been paying £14.99 a month for over 3 years now. Will be making a call tomorrow!!

    Will keep you posted how I get on.
    Official DFW Member 587 :T
  • NasqueronNasqueron Forumite
    7.7K posts
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    Don't pay them anything, the "service" they offer is meaningless, as is your credit score - they don't lend you money so what they score you is irrelevant, plus lenders see stuff like your salary which the credit agencies don't.

    If you need to check just get the £2 report
    the concept of a United States of Europe is right.” Winston Churchill 1930
    I think that the Government are right to apply to join the European Economic Community...” -Winston Churchill 1961
    “The future of Europe if Britain were to be excluded is black indeed.”[FONT=&quot][FONT=&quot][FONT=&quot] - Winston Churchill 1963
    [/FONT][/FONT][/FONT]
  • aw115aw115 Forumite
    1 posts
    I've just come off the phone from Experian having read the latest money tips and realising that I've been paying £14.99 a month for 2 years with NO idea that there was an insurance product in that package. I pay £7.99 a month to AMEX for ID fraud protection insurance, so I wouldn't knowingly have been paying twice.

    I got the standard response from Experian as it seems they've been taking increasing numbers of calls about this (shock horror!). They now have a dedicated complaints team to deal with this. I was asked if I wanted to raise a "query" or a "complaint", I chose complaint. Guy I spoke to couldn't discuss it further (apart from confirm that there is now no insurance element to my subscription) and someone will write to me within 5 working days, or give me a call to discuss.

    Will report back when I hear something!
  • Do I need to be an existing Experian subscriber? I want to cease my subscription but will this mean I can't claim back these payments?
  • chanz4chanz4 Forumite
    10.3K posts
    Part of the Furniture 10,000 Posts Name Dropper Xmas Saver!
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    this is really funny, I contacted mse via twitter months ago and got told togo away about this very issue.
    Don't put your trust into an Experian score - it is not a number any bank will ever use & it is generally a waste of money to purchase it. They are also selling you insurance you dont need.
  • I was with credit expert and looking back on online statements have been since 2011. I was never told it covered insurance and only cancelled recently too. Will be making my phonecall too😕:(:(
  • NasqueronNasqueron Forumite
    7.7K posts
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    Do remember this is not a scheme like PPI where miss-sale has been court tested, it is a new MSE campaign - if you wish to cancel Experian fees you should do so (as it's a waste of money even ignoring the insurance) but read the MSE article if you want to try and get old fees back
    the concept of a United States of Europe is right.” Winston Churchill 1930
    I think that the Government are right to apply to join the European Economic Community...” -Winston Churchill 1961
    “The future of Europe if Britain were to be excluded is black indeed.”[FONT=&quot][FONT=&quot][FONT=&quot] - Winston Churchill 1963
    [/FONT][/FONT][/FONT]
  • chanz4chanz4 Forumite
    10.3K posts
    Part of the Furniture 10,000 Posts Name Dropper Xmas Saver!
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    not new its been battered about for a while, mse just decided to take it on
    Don't put your trust into an Experian score - it is not a number any bank will ever use & it is generally a waste of money to purchase it. They are also selling you insurance you dont need.
  • NasqueronNasqueron Forumite
    7.7K posts
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    chanz4 - what I mean is, there is no proven case like the PPI scheme - just ad hoc complaints from people who may get the £5 insurance fee refunded if you ask nicely
    the concept of a United States of Europe is right.” Winston Churchill 1930
    I think that the Government are right to apply to join the European Economic Community...” -Winston Churchill 1961
    “The future of Europe if Britain were to be excluded is black indeed.”[FONT=&quot][FONT=&quot][FONT=&quot] - Winston Churchill 1963
    [/FONT][/FONT][/FONT]
  • fermifermi Forumite
    40.6K posts
    Intrepid Forum Explorer Rampant Recycler Newshound! Car Insurance Carver!
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    I'm a Board Guide on the Debt-Free Wannabe, Bankruptcy, Credit Cards and Loans boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are mine and not the official line of moneysavingexpert.com. Board guides are not moderators. If you spot an inappropriate or illegal post then please report it to [email protected]

    Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB

    IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed
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