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Am I wasting £14.99 a month please....not mean....just interested??:beer:

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  • [Deleted User]
    [Deleted User] Posts: 35,382
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Forumite
    Definitely.

    Just order a £2 report when you need one.
  • molerat
    molerat Posts: 36,675
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
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    What are you getting for £14.99 ? The free offer is for the credit score only. (but yes, you are wasting £14.99 a month when you can get credit reports from the other 2, equifax and call credit, free for life)

    Never associate with idiots on their own level, because, being an intelligent man, you'll try to deal with them on their level - and on their level they'll beat you every time.

    Being hated by idiots is the price you pay for not being one of them.

    Jean Cocteau 1889-1963

  • National_Debtline
    National_Debtline Posts: 7,998
    Tenth Anniversary 1,000 Posts Combo Breaker
    Organisation Representative
    Hi

    As the others have said. You can get a statutory credit report for £2 from each of the agencies.

    You can also see the Equifax information for free on www.clearscore.com, and Call Credit for free on www.noddle.co.uk

    James
    @natdebtline
    We work as money advisers for National Debtline and have specific permission from MSE to post to try to help those in debt. Read more information on National Debtline in MSE's Debt Problems: What to do and where to get help guide. If you find you're struggling with debt and need further help try our online advice tool My Money Steps
  • sourcrates
    sourcrates Posts: 33,045
    Part of the Furniture 10,000 Posts I've been Money Tipped! Name Dropper
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    Am I wasting £14.99 a month please....not mean....just interested??:beer:

    Absolutely you are yes indeed !!!! £180,00 a year for nowt !!!

    I think I would cancel it without delay if I were you !!
    I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter
  • 20aday
    20aday Posts: 2,610
    Ninth Anniversary 1,000 Posts Combo Breaker PPI Party Pooper
    Forumite
    If you *really* want to view your meaningless credit score for free with Experian try here:

    http://www.moneysavingexpert.com/creditclub

    The same applies with Noddle (Call Credit) and Clearscore (Equifax).
    It's not your credit score that counts, it's your credit history. Any replies are my own personal opinion and not a representation of my employer.
  • pcman1985
    pcman1985 Posts: 181
    Seventh Anniversary 100 Posts Name Dropper
    Forumite
    The useless Experian score which is updated monthly is free.

    The useful Experian credit report which is updated when lenders send payment history etc is not free.

    Just order the £2 report once or twice a year.


    You can view Equifax on Clearscore and Callcredit on Noddle for free. Both are updated roughly every 31 days. Some people say the accuracy of these are not very good. But they are accurate on mine.

    Just like Experian, ignore the useless scores given to you.
  • carlislelass
    carlislelass Posts: 1,776
    Debt-free and Proud!
    Forumite
    Not accurate on mine
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