How to obtain credit reports 5 May 2005 at 2:36PM edited 29 August 2013 at 4:07PM in Credit File & Ratings 895 replies 312.3K views

NorwichMan

moggles wrote: »

Can you view a statutory report online then? I thought these were paper-based and available only by post....

Equifax will now supply a statutory report online instantly, for £2. After I eventually got through to them on the phone, they sorted out my logging in difficulty and I can now view my report for up to a month from their "member centre".

Moggles_2

NorwichMan wrote: »

Equifax will now supply a statutory report online instantly for £2. After I eventually got through to them on the phone, they sorted out my logging in difficulty and I can now view my report for up to a month from their "member centre".

Well done & thanks for your feedback :T

sanctuary

I posted this on another thread, but I'm going to ask here as well and I hope that's okay...

I'm wondering if a credit report is necessary for me. I was thinking of paying £2.00 for my statutory credit report (thus avoiding some of the 30-day 'free trial' problems that many seem to have occurred when they've been unable to cancel their subscriptions), but does that tell the layman (ie. ME!) much about their credit *rating*? I'm wanting to transfer nearly approximately £18,000 of CC debts somewhere - ANYWHERE - that offers better terms than my current four cards. I have no missed payments, but several late ones on one card last year (just from being lazy and stupid). I've never had problems getting credit before (even though I'm self-employed) but in these times of recession I'm guessing that I'm no longer considered a great candidate (due to those late payments and self-employed status). So is the statutory report going to tell me anything that I don't already know?

lisyloo

There is no such things as a generic credit rating.
Each lender has their own criteria and we can only speculate as to what they are.
Any you get from Experian & Equifax are largely there to make money from them, it doesn't necessarily represent what any lender will use.
Lenders can make their own rules and they can change them every day if they want because it's their money.

Credit has got tighter and you are right that late payments do not make a good credit history.

What you credit report WILL however show you is what is recorded about you and what lender will see.
It's possible there have been mistakes, so whilst you knwo the reality there is a small possibility that something is not recorded correctly.

So in one sense you are right, it would NOT tell you whether lenders will lend to you or not.
But you can find out whether your information is correctly recorded.
Obviously that's more of a worry if you information is good.

snibbug

Can anyone help me? I really need to see my credit file however, i don't have a debit card or bank account in my own name anymore due to debt issues...This also means i have no cheque book, and i have no one who i can ask to write a cheque for me either...how am i supposed to see these reports now?

Thanks in advance

Moggles_2

snibbug wrote: »

I really need to see my credit file, however I don't have a debit card or bank account in my own name any more due to debt issues. This also means I have no cheque book and i have no one who i can ask to write a cheque for me either. How am i supposed to see these reports now?

How about sending Experian (or Equifax) a postal order for £2?

PennyPincher_L

i also want to cancel the experian credit report but had no luck with it

zx2011

Apply in writing and send a £2 postal order:

Equifax:
http://www.equifax.co.uk/Products/credit/statutory-report.html

Experian:
http://www.experian.co.uk/wiseconsumer/ (You'll need to use the "written application form")

Callcredit:
http://www.callcredit.co.uk/consumer.aspx (Under "Get your Statutory Report" click "Download the application form here")

Snow_White_5

Just to add my experience with the free 30-day trials: Equifax have made it as difficult as possible for me to cancel e.g. repeatedly blocking my acount for seemingly no reason. I've finally managed to do the online cancellation but am waiting on an email confirmation.

Experian were a little better; I cancelled over the phone (they were friendly) and received an email confirmation straight away. I'm still not sure whether they'll take money off my card though.

All in all I wish I'd just paid 2 quid for my statutory credit reports. The amount I've spent calling Equifax must add up to more than that already.

ckfeng

I want to buy a chic handbags on line shop ,I don't know why can't I use my credit card ?:mad: