How to obtain credit reports

rowey77

I havent got a debit or credit card to apply online to get my credit check and have no one i can ask to borrow there card to apply,
is there a way i can still view my credit rating without having to use a bank or credit card?

KILL_BILL

rowey77 wrote: »

I havent got a debit or credit card to apply online to get my credit check and have no one i can ask to borrow there card to apply,
is there a way i can still view my credit rating without having to use a bank or credit card?

the only way is to send £2 cheque or potal order to them and get it sent to you

david78

You can sellotape a £2 coin to a piece of card and sent it too them.

swabaxter

This is American laws not applicable to UK.

swabaxter

Consider taking out a credit card and use it. Good repayment record will improve your credit score.

makingbank

Hi MSE'ers

If anyone wants a HALF PRICE experian aka creditexpert.co.uk subscription (similar to how sky operates funny enough) just call to cancel and say "too expensive" when they ask the reason and they will charge you £3.99 a month instead of £7.99. £7.99 is way too much for their shabby reporting system and "pass the buck" service they offer anyway.

Beathan

There are two components to your credit history: your credit report and your credit score. You can always get your credit report for free, but you may need to pay to get your credit score. While the score is what determines what terms you can get on loans, it's the report that contains all the information on what debts you've had (or haven't had), if you've paid them on time, and who has looked at your credit. This is the information you need to fix your credit rating.

All credit reporting is handled by three agencies: Experian, TransUnion, and Equifax. You can request your credit report on-line directly from these agencies; there's no reason to use a third party, and you should never have to pay for this information. Ideally, you should get a report from each agency to check for discrepancies.

samwsmith1

Beathan wrote: »

There are two components to your credit history: your credit report and your credit score. You can always get your credit report for free, but you may need to pay to get your credit score. While the score is what determines what terms you can get on loans, it's the report that contains all the information on what debts you've had (or haven't had), if you've paid them on time, and who has looked at your credit. This is the information you need to fix your credit rating.

All credit reporting is handled by three agencies: Experian, TransUnion, and Equifax. You can request your credit report on-line directly from these agencies; there's no reason to use a third party, and you should never have to pay for this information. Ideally, you should get a report from each agency to check for discrepancies.

Who are Transunion? I thought that it was Experian, Equifax & Call Credit?

Hazzinho

It is the 3 you mention transunion aren't a CRA unless they're brand new as of today.

Correction they are a CRA not used in the uk. Not sure why the other poster mentioned them.

randygabriyal

I also want to know abut them. so thanks to everyone for the advice.