Free Credit reference Agencies?

bigpappa

I use Credit Karma to look at my credit file but I was wondering are there are any other services free (ideally) or paid that I should consider also?

Credit Karma has come in use as I had a closed account that was still showing up as open on Credit Karma.

Hasbeen

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

kuratowski

Probably should've posted this in the credit ratings forum, but yes there are others.
https://www.clearscore.com/ shows your data from Equifax.
https://www.moneysavingexpert.com/creditclub/ shows your data from Experian.
Both are free.
(Credit Karma shows your data from Transunion.)

PRAISETHESUN

As an alternate to the above free options (MSE Credit Club, Clearscore or Credit Karma), you can also request your data directly from the 3 CRAs (Experian, Equifax and TransUnion) by requesting a copy of your "statutory credit report" under GDPR. Ideally you should be checking all 3 reports on a regular basis.

[Deleted User]

PRAISETHESUN said:

As an alternate to the above free options (MSE Credit Club, Clearscore or Credit Karma), you can also request your data directly from the 3 CRAs (Experian, Equifax and TransUnion) by requesting a copy of your "statutory credit report" under GDPR. Ideally you should be checking all 3 reports on a regular basis.

As an alternate to the above free options (MSE Credit Club, Clearscore or Credit Karma), you can also request your data directly from the 3 CRAs (Experian, Equifax and TransUnion) by requesting a copy of your "statutory credit report" under GDPR. Ideally you should be checking all 3 reports on a regular basis. Check on an occasional basis or if you encounter credit problems.

bigpappa

Deleted User said:

PRAISETHESUN said:

As an alternate to the above free options (MSE Credit Club, Clearscore or Credit Karma), you can also request your data directly from the 3 CRAs (Experian, Equifax and TransUnion) by requesting a copy of your "statutory credit report" under GDPR. Ideally you should be checking all 3 reports on a regular basis.

As an alternate to the above free options (MSE Credit Club, Clearscore or Credit Karma), you can also request your data directly from the 3 CRAs (Experian, Equifax and TransUnion) by requesting a copy of your "statutory credit report" under GDPR. Ideally you should be checking all 3 reports on a regular basis. Check on an occasional basis or if you encounter credit problems.

I have never had credit issues and always thought that credit reference agencies were not that useful but after discovering that I had a fully closed account still showing as active promted me to contact the company in question and update the information they provide to the agencies.

[Deleted User]

Deleted User said:

PRAISETHESUN said:

As an alternate to the above free options (MSE Credit Club, Clearscore or Credit Karma), you can also request your data directly from the 3 CRAs (Experian, Equifax and TransUnion) by requesting a copy of your "statutory credit report" under GDPR. Ideally you should be checking all 3 reports on a regular basis.

As an alternate to the above free options (MSE Credit Club, Clearscore or Credit Karma), you can also request your data directly from the 3 CRAs (Experian, Equifax and TransUnion) by requesting a copy of your "statutory credit report" under GDPR. Ideally you should be checking all 3 reports on a regular basis. Check on an occasional basis or if you encounter credit problems.

Checking your report weekly is sensible to catch anything dodgy going on, not just occasionally - that will also pre-empt potential credit problems