How to obtain credit reports
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We cannot be absolutely certain which credit card providers search a particular agency's files (lenders do not disclose this information), but anecdotal evidence suggests most use Experian, so that one matters more.
Btw, once you have your paper copy, the credit reference agencies seem happy to answer questions over the phone if you quote your reference number. So if, for instance, you wanted to check that particular items had since been updated, there's no need to order further copies of your credit reports
Many thanks if anyone can shine some light on this and help me out. You could say its stressing me out a bit!
We cannot be absolutely certain which credit card providers search a particular agency's files (lenders do not disclose this information), but anecdotal evidence suggests most use Experian, so that one matters more.
Btw, once you have your paper copy, the credit reference agencies seem happy to answer questions over the phone if you quote your reference number. So if, for instance, you wanted to check that particular items had since been updated, there's no need to order further copies of your credit reports
I'm sure I've had middle initial missing in some places and county missing and I've had no problems. I would think firstname, surname, number, street name, town and postcode are the important bits, so don't worry about the rest.
I'm not sure that Call credit is worth bothering with to be honest.
It's not used by everyone, so there will be lots missing on it.
It would be sufficient to get Experian and Equifax, although if you've never had it , you might feel better checking all of them.
His/her posts(#432-#439) are a carbon copy of the foregoing contributions, but in random order, so a previously sensible discussion has been turned into an incoherent jumble.
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