Paid for vs free access to credit report.

dazzaofdagenham

Good afternoon
as per the title really..
ive been watching my credit report via equifax for free for a few years now....never paid for extra services etc etc

so I’m wondering do the extra services provide any additional information that the  free service doesn’t.

thanks 

meefrono2222

Rather than pay for equifax’s extra services, I would prefer to pay for access to the 3 main companies via checkmyfile. 

D3xt3r5L4b

No it won’t.

D3xt3r5L4b

meefrono2222 said:

Rather than pay for equifax’s extra services, I would prefer to pay for access to the 3 main companies via checkmyfile. 

Why when you can get all 3 free?

Willing2Learn

It is not very MSE to pay to see the recorded data on your three credit files, when you already have a statutory right to see it all for free.

Why would you pay?

It doesn't make sense...

NatalieAGC

Depends what you want out of it really.. many are happy with free access which only updates every month and feeds from one of the 3 main CRA, or you want “real time “ credit reports. I pay, IMO I want to know changes as it happens not 28 days later on next free report.  Experian / Equifax your “score” can change few times a month. 

If your looking to build your score and understand how CRA work then I would recommend,  if you just want to check monthly on your perfect credit report then free will do 

eskbanker

NatalieAGC said:

If your looking to build your score and understand how CRA work then I would recommend

If you're looking to build your score then you don't understand how CRAs work!

SnowTiger

meefrono2222 said:

Rather than pay for equifax’s extra services, I would prefer to pay for access to the 3 main companies via checkmyfile. 

 I wouldn't pay for something I could get elsewhere free, especially if I was struggling with debt.

See: https://www.moneysavingexpert.com/loans/check-free-credit-report/

If I were you I'd cancel my checkmyfile subscription before charges kick in and throw the £14.99 a month I save at my debts.

dazzaofdagenham

Sorry I think I may have missed a reply here.
so the freebie version of my equifax report will show exactly the same as the paid for version ?