Experian is useless

vickialice

Hey,

So today I paid £14.99 for Experian, went in and I have 4 accounts!!! This is so wrong I have way more than this, my credit card isnt on, my overdraft, my catalogue nothing except 4 old phone contracts(not even my current phone contract). This is ridiculous. I dont understand why this is happened. Im soooo upset that I have wasted £14.99 on this.

Does anyone have any advice?

Thrugelmir

Cancel the subscription.

YorkshireBoy

vickialice wrote: »

Does anyone have any advice?

30 day free trials are available.
If you've had a free trial previously then £2 statutory reports are available.


What did Experian say when you queried the lack of current data on your report with them?

Gaz83

There are three credit checking companies in the UK - Equifax and Callcredit being the other ones.

It's a credit provider's choice as to whether to report to one or all of the credit checking companies. Perhaps your credit providers don't report to Experian.

cakeforbrains

Have you had any name changes? You might need to update Experian with past details yourself if they're complicated.

Experian_company_representative

Hi vickialice

vickialice wrote: »

Hey,

So today I paid £14.99 for Experian, went in and I have 4 accounts!!! This is so wrong I have way more than this, my credit card isnt on, my overdraft, my catalogue nothing except 4 old phone contracts(not even my current phone contract). This is ridiculous. I dont understand why this is happened. Im soooo upset that I have wasted £14.99 on this.

Does anyone have any advice?

There are occasions when an account you hold may not show on your report with Experian. This can happen when the company doesn’t share their accounts with all of the credit reference agencies.

As there are several UK credit reference agencies, it may be useful to contact the lender directly and check if they are sharing the account with Experian. If they are and you believe this should be showing on your report with us, then please send us a copy of the relevant bank/credit card statement and I’ll be happy to look into this further for you.

If you haven't done so already you may want to add your previous address history, your Experian credit report will only show you information on the addresses added to your membership profile. Therefore, if you were to add your full 6 years address history this will ensure you can view your full credit report.

Regards
James Jarvis