How to obtain credit reports

James1980

When you register for Credit Expert or Expieran.

Do they do an actual Credit Check on you, that if you are close to the triggers for not getting a Loan or Mortgage could potentially take you over that limit and effect you getting a Loan/Mortgage?

sfax

James1980 wrote: »

When you register for Credit Expert or Expieran.

Do they do an actual Credit Check on you, that if you are close to the triggers for not getting a Loan or Mortgage could potentially take you over that limit and effect you getting a Loan/Mortgage?

No. There are different search reasons and only searches for applications for new credit are considered negative

sfax

Essa wrote: »

Recently took up the 30 day trial with Experian, as I needed to access my credit check for mortgage application, however once I have this and cancel the trial, as this is not something I want to pay for monthly, does anyone know should I need to access a credit check again in say 6 months, should something else arise - will I still be able to use the free trial option if its on offer or will I need to pay for a report?

£2 for a statutory report your cheapest option

mossmoran

Do all the credit reference agencies have the same info, if not and one has errors, would this go against your credit score for all the other agencies? In other words, do you need to check several reports to get an accurate view of your overall rating?

Bluedroog

I know points aren’t everything but if you could humour me with a rough idea I’d be grateful. One negative factor on my Experian report was that I never had a settled account, in more recent years of trying to repair bad credit I had two bad credit cards in a Capital One and Aqua. I recently got a new Nationwide CC of which I used to balance transfer the other two cards, the Aqua with a £1,200 limit and zero balance I have kept but don’t use, in part for emergencies but also to reduce the amount of available credit I’m using at any given time. The Capital one which was only about a £300 limit I have paid off in full and now closed.

How much of a positive impact will concluding this account have please? I was using Experian but cancelled my subscription, sods law that the subscription ended the same day Capital One finally closed my account having pestered them to for over a month.

Valeria12

Thanks for the information, it really helpful for me, keep sharing such type of information in future too.

sfax

Bluedroog wrote: »

I know points aren’t everything but if you could humour me with a rough idea I’d be grateful. One negative factor on my Experian report was that I never had a settled account, in more recent years of trying to repair bad credit I had two bad credit cards in a Capital One and Aqua. I recently got a new Nationwide CC of which I used to balance transfer the other two cards, the Aqua with a £1,200 limit and zero balance I have kept but don’t use, in part for emergencies but also to reduce the amount of available credit I’m using at any given time. The Capital one which was only about a £300 limit I have paid off in full and now closed.

How much of a positive impact will concluding this account have please? I was using Experian but cancelled my subscription, sods law that the subscription ended the same day Capital One finally closed my account having pestered them to for over a month.

The acid test is an application. I can't see closing an account with a £300 limit will make any difference at all. Consider the total amount of credit you have available, as well as the ratio of your total debt to your total credit limit and keep this below 40% if possible. Get your £2 report to check recent changes have registered before applying

Pixivix

My partner and I had our 1st mortgage application declined based on 'credit scoring', which we couldn't understand as we both have 'excellent' credit scores.

Credit Expert helped us to align our information behind the scenes, ensure the electoral roll info was pulling through correctly (which is wasn't initially) and get everything in place.

We made a second mortgage application with the same bank which went through with no issue at all :j

- Thank you Credit Expert for helping us work out what was going on!

jasmine131092

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)
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rb10

jasmine131092 wrote: »

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)
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Yes, the number of credit searches on your file will affect your credit score to a small extent, for a short period of time (e.g. 1 year or so).

However, showing good management of a credit card - always paying off your balance - will undoubtedly increase your score.