No free trial?

Bingaling86

When I was at college, our tutor recommended we check our credit score for when we went to uni etc. etc. So I did - this was over 10 years ago now.

I'm now looking to check my credit score again, but experian and equifax both say I'm already a previous customer and to login and pay...

Does this mean I can't use a free trial and now have to pay to check my credit score, because I checked it back when I was 19????

Thank you

[Deleted User]

Just pay the £2 for your report. It's not bad value if you can't get a free trial.

Malmo

Bingaling86 wrote: »

When I was at college, our tutor recommended we check our credit score for when we went to uni etc. etc. So I did - this was over 10 years ago now.

I'm now looking to check my credit score again, but experian and equifax both say I'm already a previous customer and to login and pay...

Does this mean I can't use a free trial and now have to pay to check my credit score, because I checked it back when I was 19????

Thank you

Hi Bingaling86,

The scores provided by the 3 main agencies are meaningless and are not seen or visible to anyone other than the agency and you.

In the UK, individuals are not assigned a universal or central credit score (they are in the USA though, I believe). Lenders use information held by the agencies, supplemented with information from other sources (such as wage slips, if applying for a mortgage) to evaluate customers based on the lender's own criteria/rules that determine their ideal customer. So pay no attention to these scores.

If you need access to your reports, just obtain the statutory report from each agency, which costs £2. You do not need the score as it is immaterial.

Experian Statutory Report

Equifax Statutory Report

Callcredit Statutory Report