Defaults

crm23

Hi all,
Please can you let me know the best way to access my credit report without having to pay full whack with Experian?
Ive stupidly been burying my head in the sand and not wanting to look at it. I’ve been on a DMP a year and it’s going ok, bar having no emergency fund due to finding this site too late and already being set up with sc, but I’m working on that. I know I’ve been stupid in not chasing accounts to default until now, and I think the vast majority have in all honesty, but now feel confident enough to view my file without having a meltdown about how on earth I got myself in this mess in the first place. I know the defaults won’t drop off for 6 years so really want to get a handle of this sooner rather than later now. Thanks in advance 

fatbelly

Experian have a free service through mse credit club

Equifax have a free service through clearscore

Transunion have a free service through credit karma

y3sitsm3

crm23 said:

Hi all,
Please can you let me know the best way to access my credit report without having to pay full whack with Experian?
Ive stupidly been burying my head in the sand and not wanting to look at it. I’ve been on a DMP a year and it’s going ok, bar having no emergency fund due to finding this site too late and already being set up with sc, but I’m working on that. I know I’ve been stupid in not chasing accounts to default until now, and I think the vast majority have in all honesty, but now feel confident enough to view my file without having a meltdown about how on earth I got myself in this mess in the first place. I know the defaults won’t drop off for 6 years so really want to get a handle of this sooner rather than later now. Thanks in advance 

Experian:
https://www.experian.co.uk/consumer/statutory-report.html
https://www.moneysavingexpert.com/creditclub/

Equifax:
https://www.equifax.co.uk/Products/credit/statutory-report.html
https://www.clearscore.com/

Transunion:
https://www.transunionstatreport.co.uk/
https://www.creditkarma.co.uk/