Checking my credit file
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raphanius
Posts: 1,338 Forumite
Someone on a different thread on mse has recommended i use a credit reference agency to manage my debts,
Firstly i cant afford to pay for such a service. secondly i distrust free services because they may charge later or have some ulterior motive for giving away a service with a £15 a month value elsewhere iyswim
thirdly i have no idea what to do if i do join one. so far all ive ever known them for is a credit score number from one to whatever so i dont see how that will help with managing debt.
any help would be appreciated. im trying to manage my debts after leaving a debt management company,
tia
Firstly i cant afford to pay for such a service. secondly i distrust free services because they may charge later or have some ulterior motive for giving away a service with a £15 a month value elsewhere iyswim
thirdly i have no idea what to do if i do join one. so far all ive ever known them for is a credit score number from one to whatever so i dont see how that will help with managing debt.
any help would be appreciated. im trying to manage my debts after leaving a debt management company,
tia
Wins: 2008: £606.10 2009: £806.24 2010: £713.47 2011: 328.32
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Comments
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You're worrying unnecessarily. You can get all your credit reports for free, including exactly the same data you'd pay for (whether £2 or £14.99) from...
Experian - via the MSE credit club
Equifax - via www.clearscore.com
CallCredit - via www.noddle.co.uk
But don't think you can "manage my debts" via credit reference agencies. All you can do is check the data is accurate. They may give you some tips along the way though, such as...
Your credit utilisation is high/low
The average age of your accounts is good/bad
You are only making minimum payments
You have had too many credit searches in the last x months
Etc
Just don't get too hung up on the credit score...it's only an indicator of how they think lenders will view your credit file.0 -
The majority of it will be on your credit files, I suggest you obtain a copy from each of the three credit reference agencies first of all.Wins: 2008: £606.10 2009: £806.24 2010: £713.47 2011: 328.320
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Which is what YB just said.0
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a credit reference agency cant tell me who my debtors are and how much i oweWins: 2008: £606.10 2009: £806.24 2010: £713.47 2011: 328.320
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Yes they can. Although you will get a more up to date balance from the lenders directly.0
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because they need a statement of affairs and i havent had time to prepare one. i had to leave eurodebt because they didnt believe my outgoings are higher than my incoming wage so im reluctant to go to another agency, ive been with eurodebt for 15 years many of the debts are so old i have no paperwork for them
and as you can see from my mistake i have no ability when it comes to money
plus step change need names and account numbersWins: 2008: £606.10 2009: £806.24 2010: £713.47 2011: 328.320 -
because they need a statement of affairs and i havent had time to prepare one. i had to leave eurodebt because they didnt believe my outgoings are higher than my incoming wage so im reluctant to go to another agency, ive been with eurodebt for 15 years many of the debts are so old i have no paperwork for them
and as you can see from my mistake i have no ability when it comes to money
plus step change need names and account numbers
I've never been in your situation, but institution (from your credit report) and residential address (from memory!) at the time is all you/they need surely?0 -
i got to page three and noddle asked for my card details.Wins: 2008: £606.10 2009: £806.24 2010: £713.47 2011: 328.320
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