Allaince Prem Current Account ?

whowantsin

Does any1 out there know when allaince and leciester credit check or credit score for ie accounts, loans etc which company do they normally use is it experien,, eqifax or the other one i cannot remember lol ? plz help i have an premier accout with them a little surprised as i owe 20k debt which i am paying off via dmp and did'nt expect to get a chq book debit card etc i'l be also getting my wages paid in so will apply in a few months for a overdraft did'nt apply for it as did'nt expect to get this account

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Tori_Bellatrix

I just replied to you on the other thread ... http://forums.moneysavingexpert.com/showthread.html?t=917951

whowantsin

i know sorry btw just was curious to get a quick answer tonight lol cheers again tori:p

Tori_Bellatrix

No worries ... have you received any paperwork yet? You gets loads sent through when you open an account with A&L

whowantsin

Tori_Bellatrix wrote: »

No worries ... have you received any paperwork yet? You gets loads sent through when you open an account with A&L

yup got everything just gonna make sure i deposit 500 a month to avoid the 5 pound charge each month

to get a credit report have u heard of check my file 15 pounds 4 3 months reports on all three agencies

YorkshireBoy

whowantsin wrote: »

to get a credit report have u heard of check my file 15 pounds 4 3 months reports on all three agencies

Do not waste your money on a checkmyfile credit report. It's a very much scaled down version of what you'd get directly from the CRA's themselves, and has lots of information missing.

Always read the small print.

whowantsin

who would u say is best to get ur credit report from ?

YorkshireBoy

whowantsin wrote: »

who would u say is best to get ur credit report from ?

Directly from the CRA's themselves...either £2 statutory copies or sign up for the 30-day free trials which are available (but be sure to cancel before they start to charge).

whowantsin

2 pounds each from the three agencies ? does it give a score for the last 30 days etc ?

YorkshireBoy

£2 each agency, yes.

The 'scores' are available to buy...but in my opinion are both worthless and meaningless. The 'data' contained in your report are worth far more.

Not sure what you mean by "score for the last 30 days etc" though?

whowantsin

YorkshireBoy wrote: »

£2 each agency, yes.

The 'scores' are available to buy...but in my opinion are both worthless and meaningless. The 'data' contained in your report are worth far more.

Not sure what you mean by "score for the last 30 days etc" though?

what do you mean data contained in your report is worth far more ? do u mean like if a debt on file should be settled it should state this on your file so it has been updated on file ?

i mean is the credit score usually updated every month when i say the last 30 days ?