How to obtain credit reports

Galstonian

richiethekid wrote:

Maybe it's because it's a Solo card. Which is quite ironic if you think about it - I can't find out why I can't get a credit card, because I don't have a credit card.

You may want to check how you entered the details. I know that when using a Visa debit card I have run into difficulty with some payment systems when including the issue number - take the issue number off the form and it works okay. Worth a try perhaps.

richiethekid

From memory I think it said to put an X in the issue number box for Solo cards. I'll give it another try, maybe they've fixed the problem now. Obviously I could just use the paper form but that means queuing at the post office for a postal order. I tried reporting the problem through the website but that didn't work either.

richiethekid

Well just tried again and got the same message as before, so looks like I'll have to do it the old fashioned way.

Freddie

Galstonian wrote:

Credit Reference Agencies (CRAs) have a statutory obligation to provide you with your credit file and charge no more than £2. These reports are paper based and will be posted to you.

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I would like to get my credit report from Equifax, but from what I can see it'll cost £10! Is this right?

Tondella

don't worry Freddie, Equifax are just being very cunning, if you scroll down through this page

https://www.econsumer.equifax.co.uk/consumer/uk/sitepage.ehtml?forward=gb_elearning_credit14

you'll see a section called By Post: That's the way to get a paper copy of your report for £2

Tondella!

suniil

In vouchers section you can find a voucher for credit rating/report which brings down the cost from £12.95 to £6.25 (full report)

HTH

catherineannelynch

Does the amount of times you apply for a credit card affect your future credit scoring? (Even if you are accepted and always pay off your balance)

Reaper

Yes. Lenders will do a credit search before deciding whether to lend to you. This search shows up. If you have lots of searches in a short period it makes you look desperate and lenders become wary.

Have a read about credit scoring by clicking on the "Credit Rating" link in the blue box above.

betyboop

Can anybody help me i am trying to cancel experian credit report and cannot find how or where to do it.
thanks jean

betyboop

Porker wrote:

I ran one the other day and it worked fine - maybe a problem at their end (or your card's no good )

Can you please help i have a months free trial with experian after receing the report i want to cancel it. i don't know how to