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How to obtain credit reports
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Google Experian. Click 2 Statutory Report. Click Order by Post. Download and complete application form. You won't need a card registered to the same address to pay but it's slow and they may need extra ID
You don't need your score. No-one does as it's irrelevant. All you need is your report
If you're trying to find out your score because you've been declined credit, the fact your card isn't registered to your current address is a big negative. If you've moved recently, forget applying for anything until you're on the electoral roll and Experian and Equifax both show this
Unfortunately it NEEDS to be Equifax because I suspect they have incorrect information about me.
So why is your card registered somewhere else?
Same applies to Equifax. Apply for your £2 statutory report by post from them. No need for card address checks. The checks are for online viewing where you need extra security because your report isn't being sent to your home address
A free for life credit report isn't much good if you have to spend your whole life just trying to get it. :mad:
I got this with my Halifax credit card but when I switched to my bank Visa Delta card, it worked. Noddle can't verify some cards and they won't provide the report without identifying you using a card
No verification email has been sent, despite their sign-up page saying it had, so I am still up a blind alley.
From memory, the email wasn't instantaneous. You should get one from [email protected] with a PIN
It's registered to my mums address because I don't think it is secure to have bank stuff delivered to rented accommodation due to security reasons. I know 2 people whose new cards and pins went to incorrect previous addresses. I'm paranoid now I guess! I only want to change adds when I have my own home.
If I get the £2 report will it give me info on what loans I've had etc? Equifax seem to think I took out a mortgage when I was 12 for some reason.
That setup will create issues because your credit report will show agreements at an address that differs from the electoral roll. If a card or PIN goes missing, you're not liable providing you weren't negligent.
Your report should show all active and some closed accounts. Usually goes back up to 6 years