Statutory Credit report

MNM2903

Where can i order a statutory credit report which includes all of my credit history and not just what is reported to experian etc?

Not sure if this even exists but thought id ask.

Thanks

YorkshireBoy

It doesn't exist, so you need to get one from all 3 agencies. The good news is that your CallCredit report is available FOC from Noddle.

MNM2903

yeah i have got noodle but that, experian and equifax all show slight differences. I thought that was because its down to the company if they report it to them or not. So surely there is a report which shows all of them? Plenty of people on here say dont pay for experian or equifax for this reason so if you want a clear indication of your past history etc surely there should be something somewhere through a bank or somthing?

YorkshireBoy

mullen8627 wrote: »

yeah i have got noodle but that, experian and equifax all show slight differences.

That's normal.

I thought that was because its down to the company if they report it to them or not.

It is.

So surely there is a report which shows all of them?

No. Why would there be?

Plenty of people on here say dont pay for experian or equifax for this reason

People say don't buy the full £15 a month product. No-one says don't buy a statutory report from all 3.

so if you want a clear indication of your past history etc surely there should be something somewhere through a bank or somthing?

There's no such product. Some, eg checkmyfile, claim to provide info from all 3, but as you'll see from the small print the information isn't complete.

MNM2903

That clears that up then ha, thanks for that. Ill stick with noodle for now and check the others when i come to apply for a mortgage next year .

Does that mean when doing a credit search if a company uses experian but not equifax they may miss data?

YorkshireBoy

mullen8627 wrote: »

Does that mean when doing a credit search if a company uses experian but not equifax they may miss data?

I don't know what your credit file contains, but every one of my current accounts and credit cards is reported to all 3 agencies.


In my experience, it's only the searches (both recorded and unrecorded) that differ, ie a bank might do a full "application search" on Experian but only a follow up AML/ID Enquiry unrecorded search on CallCredit.

MNM2903

its nothing major like, it just one of the credit accounts i have for my car warranty is reported on the free noddle check but not experian/equifax?

Malmo

mullen8627 wrote: »

That clears that up then ha, thanks for that. Ill stick with noodle for now and check the others when i come to apply for a mortgage next year .

Does that mean when doing a credit search if a company uses experian but not equifax they may miss data?

As mentioned by @YorkshireBoy, there is no need to sign up for any paid subscription services with the Credit Reference Agencies. A statutory report costing £2 from each agency is sufficient and reports the same information as a subscription report. Although some data may not be visible on a given agency's report, it may be visible on reports from the other 2 agencies, as different agencies have different relationships with lenders/creditors. For example, this means that a lender searching Experian only may not see any data that companies report only to Equifax and/or Callcredit/Noddle. Hence, you need all 3 reports to obtain a full picture of your profile. It is worth reviewing all 3 reports well ahead of time, to enable you to spot any errors and have them corrected in good time.

See links below to each agency's statutory report.

Experian Statutory Report

Equifax Statutory Report

Callcredit Statutory Report AKA Noddle