Equifax Trial offer

wizzywig27

!!! wrote: »

From the ICO website:

Can we charge a fee?
In most cases you cannot charge a fee to comply with a subject access request.

However, as noted above, where the request is manifestly unfounded or excessive you may charge a “reasonable fee” for the administrative costs of complying with the request.

You can also charge a reasonable fee if an individual requests further copies of their data following a request. You must base the fee on the administrative costs of providing further copies.

I stand corrected, thank you.

However, I think that when you log in to Equifax, should there be an option that states 'FREE' then its free. Should they decide I have requested too many, and they change it to £2, than ill pay the £2

mije1983

wizzywig27 wrote: »

Should they decide I have requested too many, and they change it to £2, than ill pay the £2

As this is a money saving site, why would you pay £2 when you can get it for free?


I also don't see the need to view my report every day. A bit overkill. Once a month is plenty for me.

wizzywig27

mije1983 wrote: »

As this is a money saving site, why would you pay £2 when you can get it for free?

But I can, please see my post above - to clarify, I log into Equifax, the option to purchase my statutory credit report is there and states 'FREE'

So its a money saving site, I am saving the OP money by recommending either 'purchasing' a free copy of his statutory file, or by paying £2 for it (should Equifax determine they have requested too many copies) which is substantially less than the fee after the free trial - thus I have saved them money

wizzywig27

mije1983 wrote: »

As this is a money saving site, why would you pay £2 when you can get it for free?


I also don't see the need to view my report every day. A bit overkill. Once a month is plenty for me.

I did say 'in theory' - I didnt recommend it

mije1983

wizzywig27 wrote: »

by paying £2 for it (should Equifax determine they have requested too many copies) which is substantially less than the fee after the free trial - thus I have saved them money

And substantially more than the actual 'free' reports that others have recommended, thus you have cost them money

OceanSound

!!! wrote: »

The data will be about a month behind - so long as that's not an issue then that's OK (and as it's free, who can complain)

So is the Equifax offer in OP. Just don't access credit score and cancel alerts trial on time.

[Deleted User]

It!!!8217;s not.

It!!!8217;s free for the first 3 months

OceanSound

!!! wrote: »

It!!!8217;s not.

It!!!8217;s free for the first 3 months

Are you sure you've read the OP properly?

...Plus you can trial Equifax Identity Watch Lite for FREE for the first 3 months, then £2.99 a month. You can cancel this subscription at any time.

OceanSound

Thanks for all your suggestions. However, I decided to stick with Equifax and choose their offer. It was a no brainer for me really.

If I'm offered the same service, both free, but one is more up-to-date AND offers .pdf file download of your credit file, then for me, it has to be that service.

Sure, Clearscore offers pretty graphs and clear blue sky background graphics, but the updating happened way over one month ago (01 May or 08 May to Now is way over one month, not 'about' one month )

I think clearscore offers a great service for millenials or those just becomming familar with credit scoring/rating (pretty graphs come in handy), but I'm afraid, I'll use it as my secondary choice to Equifax. (I'm more use to trouncing through raw data)

SOme of you suggested Clearscore very strongly. Must be to do with MSE pushing clearscore OR clearscore being based on the same model as MSE creditclub. i.e. monthly updates (Can't bite the hand that feeds you right?)

BTW: I found this link from discussion board/forum (seems Canadian). They are talking about the same:

https://forums.redflagdeals.com/equifax-equifax-canada-free-trial-one-month-2082727/

As for UK Equifax, I have read some reports of customers being charged after cancelling trial offer. If I encounter this (when I cancel alerts service) I'll definitely come back here and give you a heads-up. For trial offer I've made sure of using my debit card (for under 100 GBP transactions I mainly use debit card). If Equifax try any hanky panky, I'd be straight on the blower to the bank to initiate charge-back process. I've kept screenprints of all the equifax offer prompts.

p.s. someone said in their post that they don't check their report daily, once a month is plenty. Since I check it quite often, I can just cancel equifax alerts then keep clearscore for alerts only. Note that initialy access/joining clearscore can take a while, as opposed to Equifax. I remeber having to send off ID, then clearscore taking 4 days to grant access (this was after I had answered all the security questions correctly). There is also another thread started yesterday about some users having problems signing up with their email.

PixelPound

wizzywig27 wrote: »

I stand corrected, thank you.

However, I think that when you log in to Equifax, should there be an option that states 'FREE' then its free. Should they decide I have requested too many, and they change it to £2, than ill pay the £2

Can you request too many? Just logged in (first time for over 3 years as I use the free alternatives) and ordered my free statutory report. It given straight away electronically (unlike experian who still insist on posting out an access code to access online), and surprised by the half decent layout (unlike experian's all-in-one text only). However it does see my stat report is valid for the next month. So if I request to do another in a weeks time, will it be the same? May have to see. So it could be they have put in measures to stop you requesting a new one each day.