Do I need to look through transunion

Giraffe76

Hi all

Just been looking at my credit file to try and keep it upto date. I've gone through Experian and clearscore but I also found TransUnion which I've never heard of but it seemed much more complicated than the other 2 so I was wondering if i need to go through that one too?

Kind regards Mark 

Swoosh84

Giraffe76 said:

Hi all

Just been looking at my credit file to try and keep it upto date. I've gone through Experian and clearscore but I also found TransUnion which I've never heard of but it seemed much more complicated than the other 2 so I was wondering if i need to go through that one too?

Kind regards Mark 

Yea you should, as an overview there are three credit reference agencies, these being Experian, Equifax and TransUnion. Companies may check one or more when you apply for credit and some only update one when you obtain credit so its worth keeping on top of them all.

Experian as far as I am aware, you cannot get a report from them online for free (bar the free 30 day trial). Equifax reports can be accessed for free by using ClearScore. For TransUnion, you can use either TotallyMoney or Credit Karma to access their reports free.

J

eskbanker

It probably depends on what you're actually trying to achieve - what does 'keeping [the others] up to date' consist of?

FindMyWayBack

MSE credit club is Experian, but will soon change   https://www.moneysavingexpert.com/creditclub/

steven141

I don’t know why they don’t just have one credit file. Why do they have 3?

Nasqueron

steven141 said:

I don’t know why they don’t just have one credit file. Why do they have 3?

It's a commercial world, competition lowers the prices for lenders