Is it worth paying for Experian, Noddle, etc?

mrsp1987

Candyapple wrote: »

Err, you do realise that ClearScore is the free version of your Equifax report?

The same as Noddle is the free version of your Call Credit report.

Nope didn't know that. Every day's a school day!

takman

Candyapple wrote: »

Err, you do realise that ClearScore is the free version of your Equifax report?

The same as Noddle is the free version of your Call Credit report.

I wouldn't say Noddle is the free version of the call credit report. It is the name call credit use to provide their data to consumers so they don't offer a paid version at all.

Clearscore is a company independent to equifax and provide equifax data to consumers and they make money to pay equifax by earning commission from recommending financial products using this data.

molerat

takman wrote: »

I wouldn't say Noddle is the free version of the call credit report. It is the name call credit use to provide their data to consumers so they don't offer a paid version at all.

Clearscore is a company independent to equifax and provide equifax data to consumers and they make money to pay equifax by earning commission from recommending financial products using this data.

Which, of course, we all ignore

Candyapple

takman wrote: »

I wouldn't say Noddle is the free version of the call credit report. It is the name call credit use to provide their data to consumers so they don't offer a paid version at all.

Clearscore is a company independent to equifax and provide equifax data to consumers and they make money to pay equifax by earning commission from recommending financial products using this data.

It is the free version.

Which Callcredit Credit Report is right for you?

You have three ways to see your credit report with Callcredit, depending on what level of insight you need.

http://www.callcredit.co.uk/consumer-solutions/your-credit-report

takman

Candyapple wrote: »

It is the free version.


http://www.callcredit.co.uk/consumer-solutions/your-credit-report

Yeah I see your point so it can be considered the free version. But I've always thought with credit compass your just paying for their credit improving system.

baxt3r

Absolutely not, my wife and I signed up and used the 1 month free with Experian as I needed to make sure some items had updated for an application and Experian were incredibly slow to update everything. Appalling customer service when trying to query it as well.


It took over 6 weeks for some items to update even though we had it confirmed from the companies concerned they had sent the data through up to 3 weeks before. One for example, finally showed as updated around the 26th yet the update info was dated the 10th.


In the meantime, the free ones on offer from Clearscore and Noddle updated long before Experian so there is absolutely no value in paying for a service which is supposedly meant to update regularly if they are still only updating it every 6 weeks or so.


Use the 2 free options and the £2 option with Experian if you need to check their info.

mrsp1987

What I have done in the past is sign up for a free trial via Topcashback and then cancel at the end if the free trial period. No monthly charge, I got to see my credit score and report and I got free money. However, it's a bit of a faff and now we've got the free ones.

tomxlisa

Just need to get experian to provide their report for free now and it will be job done, not sure why they shouldn't when the rest you can access for free.