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Should I pay for credit reports?

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MNM2903

MNM2903 Posts: 322 Forumite

Fifth Anniversary

Debt-free and Proud!

5 March 2019 at 9:33AM in Credit file & ratings

Will I benefit from paying the £2 for a paper copy of my credit report from Equifax/Experian? I am going to be applying for a mortgage and we have the DIP with Halifax, just heard it's still worth looking before the full application for any surprises that might be on there.

I do use Noddle/clear score and totally money, will these give me all the info I need.

Regards
Michael

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Comments

MovingForwards Posts: 17,149 Forumite

5 March 2019 at 9:40AM

MSE credit club is free.

Not all financial institutions report to all three CRAs and so the info differs.

Mortgage started 2020, aiming to clear 31/12/2029.
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[Deleted User] Posts: 35,242 Forumite

5 March 2019 at 9:46AM

MNM2903 wrote: »

Will I benefit from paying the £2 for a paper copy of my credit report from Equifax/Experian?

No. Just use the three free ones.

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whatkatysaved Posts: 26 Forumite

5 March 2019 at 9:51AM

There's no need. Just use free access options or tools for each of the main three (Equifax, Experian and TransUnion).

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[Deleted User] Posts: 0 Newbie

5 March 2019 at 10:45AM

Under GDPR statutory reports are now free and no longer carry the £2 charge

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