Equifax Trial offer

OceanSound

Somerset_La_La_La wrote: »

How do you cancel online? I've always had to phone them. Or do you use secure messaging? I don't trust them to actually action that in time haha.

I always get offered that free for a few months then £2.99 a month afterwards. They email you 30 days before which is pretty helpful. I've repeated the following trick for quite a while

Signup via TCB/Quidco for the free trial, get paid anywhere between £4-£9 for doing it
Use the trial as I'm genuinely interest
Cancel after day 21 (as per cashback rules)
Get offered the free trial for 3 months, take that just because it's a freebie (although not a great deal of use)
Phone up near the end of the 3 months to cancel that "can't afford it" etc.

By which time, it's almost time to start step 1 again via TCB/Quidco.

I can't remember the time limit - I think it's shorter than 6 months, something like 3/4 months, where Equifax will block you from signing up for a new trial (you've already had this free trial, you won't get it again at this time) so I just close it down, try again a few weeks later and it goes through.

With Clearscore etc there isn't a great deal attached to going straight to them - I've found they are more helpful with disputes when you are on a trial though. Credit scores aren't everything, but it is worth monitoring if you've got a big application coming up (mortgage for me, so I'll be repeating soon!)

How do you cancel online? I've always had to phone them. Or do you use secure messaging?

I cancelled about a week before chargeable period began. Did it via the website after logging-in.

Not the most intuitive to figure out, as I had to go through a few prompts. Because I had subscribed to the free alerts offer (identity watch lite), it meant cancelling that, which in turn cancelled the credit reports.

Even if you cancel a week ahead of time, the subscription runs till the trail end date, and then it expires.

I just logged in did 'update report' then downloaded it before the subscription ended. Careful, not to 'update credit score', as that's chargeable..