Credit report - Which one? £2 or £10?

paysa_2

Is the statutory report (£2) from credit agencies sufficient to determine if there has been ID Fraud or do we need to buy the £10 one?

grumbler

£2 reports are enough - but it is better to get them from all 3 CRAs.

Cerbera_2

I agree with grumbler and would like to add this from Reaper:

Reaper wrote:

For £2 you get every scrap of information the CRAs hold on you including explanations of any codes used so that you can understand it. You will get no extra data by spending more money, instead what they offer are interpretations. They may point out things on your report that are likely to help or hinder your rating. They may also give you a credit score. However all interpretations and scores have to be taken with a pinch of salt because the lenders prefer to take the raw data and make their own minds up what score to give you (the exact formulas are kept very secret as they all think they have a better system than their competitors!).

Personally I have only ever gone for the £2 reports but it's a matter of personal preference.

:beer:

Reaper

Couldn't have put it better myself

RichyRich

Go for the £2 reports. Experian and Equifax allow you to apply for them online, but for CallCredit you need to do it by post.

paysa_2

Thank you all for the advice
Just ordered my report from Experian.