hello checkmy file question

76jack76

hello back here after few years away and back to square one .Not in a huge amount of debt but at 35 years old i need to take charge .Ive done a budget via step change so know what i have available.My question is ive got my credit file from checkmyfile as it said it :mad:as it say it check all three can i take that as there no more debts out there with my name on ? Thank you

FutureGirl

Checkmyfile only lets you check CallCredit and Equifax, not Experian.

Sign up to Noddle, that is free and that is for the Call Credit and they update it monthly. Then just sign up to 30 day trial for Equifax and Experian, or get the £2 statutory report.

Cancel checkmyfile as it costs £20 a quarter, and is pointless.

All debts would be over those 3 credit files, some companies report to one, others to 2/3 of them so it's best to check all 3.

Malmo

As mentioned, Checkmyfile has limitations and is not worth paying for. Check My File shows account data for Equifax & CallCredit/Noddle only. It does not show account data for Experian, only public record data such as CCJs or electoral roll information. This is stated in their Terms & Conditions as quoted below:

The information we provide may not be identical to that which can be obtained elsewhere. For example, we do not provide account information from Experian, although we do provide Experian's version of the Electoral Rolls/Registers, persons linked to you on the Experian database, Experian's record of insolvencies including bankruptcy, sequestration, IVA records, Trust Deeds, and similar, together with Experian-sourced court records including High Court Judgments and County Court Judgments, including the court, plaint number and status of such judgments, and whether settled or not.

See links below to each agency's statutory report.

Experian Statutory Report

Equifax Statutory Report

Free for life report from Noddle

And remember, do not waste your money on the pointless scores that the agencies sell, just get the statutory reports from Experian and Equifax and the free account with Noddle.