Any other methods to see experian credit file?

baz8790

I have access to both noddle and clearscore to see my equifax and call credit reports monthly for free.

But when I want to check my experian file I usually pay the £2 fee to see the statutory report.

The problem with this is that I have to wait for a pin to be sent out by post before I can see the report online, last time it too 2 weeks to receive the pin.

Surely there is an easier method than this to see the report instantly other than paying the monthly fee?

Malmo

The free 30 day trial to Experian's CreditExpert subscription product gives instant access, if you haven't already exhausted this route.

http://www.moneysavingexpert.com/loans/check-free-credit-report#creditexpert

Wednesday100

If you have a Barclaycard you can register to view your Experian credit score on your Barclaycard online account. However this is just the score and not the full file.

baz8790

I used the free trial years ago,

I do get the score from barclaycard but the score has halved the second time it was generated which has prompted me to see the credit file to see if anything unusual has been happening.

Possibly a scare tactic from experian to make people pay the £15 a month to see why the score has halved?

MrsElbadram

I don't know if this helps but Experian say they've changed the way they calculate credit scores, apparently so they're more accurate. This is what it says on their site. HTH

Have you noticed an unexpected change to your Experian Credit Score?
We have recently updated the way your Experian Credit Score is calculated, which may have resulted in the change you are seeing.

The most likely changes to your Experian Credit Score are due to the information that most lenders would consider to be negative, such as missed payments and defaulted accounts, and public records like bankruptcies or CCJs.

Why have you made changes to how the Experian Credit Score is calculated?
Your Experian Credit Score is calculated to give you an idea of how you’re doing financially, and it is based on the credit report which most banks and financial institutions use. You don’t have one single credit score as each lender will have their own lending criteria and vary their acceptance levels based on the credit product being offered. They will also not only review your credit report but take into account other information in your application such as your employment status and salary information.

Whilst we can’t give you an exact score which a lender will give you (due to the varying scoring systems), the Experian Credit Score is a guide to help you understand how most lenders are likely to view your history of managing credit. We take pride in making sure the Experian Credit Score is very closely aligned to lenders’ criteria to give you a realistic view of your credit situation, and ways in which you can improve your chances of being accepted for credit.

As such, we periodically update how the Experian Credit Score is calculated so it is more closely aligned to the scores of individual banks and lenders. This is to ensure you continue to receive the most accurate guide possible to help you understand how the information in your credit report is likely to be viewed by any lenders before you make a new credit application.

Why has my Experian Credit Score decreased?
We have reviewed how we calculate the Experian Credit Score to ensure that you continue to receive the most accurate guide possible to help you understand how your credit report information is likely to be viewed by lenders.

If you have fallen behind significantly with your payments or defaulted on any accounts, or if you have a public record, such as a Bankruptcy order or CCJ on your Experian Credit Report, your Experian Credit Score is likely to have decreased, as many lenders are now scoring more heavily against these things.

The following information is also scored differently following the updates we have made:-

The most recent settled public record on your credit report (e.g. Bankruptcy Order, County Court Judgment)
The balance trend, which is the difference in what you owed across all your revolving and non-revolving credit accounts 12 months ago and what you’ve owed on them recently
Payments that are late by 3 months or more
In addition to the periodic changes we make, your Experian Credit Score is continuously affected by how you manage your finances. As always, we recommend checking your Experian Credit Report to see any activity impacting your score such as multiple applications for credit or using a high amount of available credit.”