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    • Milky_Mocha
    • By Milky_Mocha 10th May 05, 10:33 AM
    • 999 Posts
    • 159 Thanks
    Milky_Mocha
    • #2
    • 10th May 05, 10:33 AM
    • #2
    • 10th May 05, 10:33 AM
    Hi Glastonian

    Apparently there is a service that offers you your credit information from the 3 CRA's simultaneously for approx £70 and with an initial free trial period. Do you know what this service is and who the third CRA is?
  • Galstonian
    • #3
    • 10th May 05, 10:57 AM
    • #3
    • 10th May 05, 10:57 AM
    The third CRA is Call Credit (http://www.callcredit.com) who offer an annual subscription service for £29.99 (http://www.mycallcredit.com/home.asp) but no "try before you buy" option.

    In my experience CallCredit hold very little info. My report had no searches and all accounts that were listed appeared on both Equifax and Experian too.

    I think the service you refer to is Check My File (http://www.checkmyfile.com) and they do offer a service to monitor all three agencies for £69.99 but, if I am correct, they only actually obtain quarterly reports and provide some analysis of them (i.e. data you could get yourself for £2 x 3 x 4 = £24). The other services allow you to obtain a new report every day and will send alerts if new searches are made, new accouts opened etc.. They do offer a one month trial but I have not used their service so cannot say if it is worthwhile, if anyone else wants to post a review please feel free.
    Also note that because this is a third party service there is a full credit search carried out to obtain the information from each agency each quarter - if you are concerned about the number of searches on your files you might want to avoid this.
    Last edited by Galstonian; 10-05-2005 at 11:08 AM.
    • Pete Biggs
    • By Pete Biggs 15th May 05, 12:29 PM
    • 32 Posts
    • 60 Thanks
    Pete Biggs
    • #4
    • 15th May 05, 12:29 PM
    • #4
    • 15th May 05, 12:29 PM
    I don't understand this - I thought Call Credit were the new big third credit reference agency - at least that's what I understood from listening to BBC Radio 4's 'Money Box' the other weekend:

    http://news.bbc.co.uk/1/hi/programmes/moneybox/4321713.stm

    But when I look at their website:

    http://www.callcredit.plc.uk/

    I can't find anything about the statutory £2 report. Does anyone know how you can get this from them? Presumably they have to provide it?

    If so, they seem to be doing a pretty good job of hiding it but promoting their own 'added value' (a.k.a. expensive!) reports on their site, which is something both Experian and Equifax have been criticised for in the past.

    I'm not desparate to know this info, I just want to make sure whatever these people are holding about me is correct - I seem to have quite a good record but I want to keep it that way!

    Any help much appreciated.

    Pete.
    • charlie12
    • By charlie12 15th May 05, 12:32 PM
    • 1,615 Posts
    • 474 Thanks
    charlie12
    • #5
    • 15th May 05, 12:32 PM
    • #5
    • 15th May 05, 12:32 PM
    Here's the link

    http://www.callcredit.plc.uk/corporate_scripts/consumer_creditreport.asp

    It was under consumer services, "my callcredit", "Alternatively, if you would like to receive a copy of your statutory creditfile by post, please click here"
    • Pete Biggs
    • By Pete Biggs 15th May 05, 12:37 PM
    • 32 Posts
    • 60 Thanks
    Pete Biggs
    • #6
    • 15th May 05, 12:37 PM
    • #6
    • 15th May 05, 12:37 PM
    Thanks for the speedy response

    I'd just found it actually by googling for 'Call Credit statutory report'. But they do a pretty good job of hiding it - I do think the OfT/Information Commissioner should look into that one.

    And a shame they don't do it online of course, I hardly ever write letters!
    • Lopo
    • By Lopo 17th May 05, 8:08 PM
    • 480 Posts
    • 98 Thanks
    Lopo
    • #7
    • 17th May 05, 8:08 PM
    Correction:
    • #7
    • 17th May 05, 8:08 PM
    Thanks for pointing this out, it wasn't an error, it is simply that the links keep getting moved around. Please bear this in mind and read all agreements before signing up to them.

    Galstonian



    I think Gal meant to provide the following link for Equifax rather than the one detailed in the initial post which links to the £8.25 priced online version. The below link is simply an order form for the statutory paper based posted out to you version which is a more humble £2.00 !
    https://www.econsumer.equifax.co.uk/consumer/uk/gb_consumerletter.ehtml




    Be wary when using any of the Credit Agency sites as they will constantly lead you astray into buying their products which cost more when you can get the same info you need for the £2.00 sum. Be sure your paying for the £2.00 version if that is simply what you are after...


    Last edited by Galstonian; 13-07-2005 at 10:27 AM.
    Beware Lego Men with Deep pockets...!
    • smartsaver
    • By smartsaver 3rd Jun 05, 11:00 AM
    • 943 Posts
    • 259 Thanks
    smartsaver
    • #8
    • 3rd Jun 05, 11:00 AM
    Useful credit report link
    • #8
    • 3rd Jun 05, 11:00 AM
    I've posted this elsewhere but now think it should really be here.

    http://business.timesonline.co.uk/section/0,,18669,00.html

    Hope it's useful
  • richiethekid
    • #9
    • 8th Jun 05, 11:35 AM
    Problems with Experian
    • #9
    • 8th Jun 05, 11:35 AM
    Has anyone else had problems ordering a statury credit report on Experian's website? I've tried a few times, but every time I get a message saying there has been an error and my card has not been charged.
  • Porker
    I ran one the other day and it worked fine - maybe a problem at their end (or your card's no good )
  • richiethekid
    Maybe it's because it's a Solo card. Which is quite ironic if you think about it - I can't find out why I can't get a credit card, because I don't have a credit card.
  • Galstonian
    Maybe it's because it's a Solo card. Which is quite ironic if you think about it - I can't find out why I can't get a credit card, because I don't have a credit card.
    by richiethekid
    You may want to check how you entered the details. I know that when using a Visa debit card I have run into difficulty with some payment systems when including the issue number - take the issue number off the form and it works okay. Worth a try perhaps.
  • richiethekid
    From memory I think it said to put an X in the issue number box for Solo cards. I'll give it another try, maybe they've fixed the problem now. Obviously I could just use the paper form but that means queuing at the post office for a postal order. I tried reporting the problem through the website but that didn't work either.
  • richiethekid
    Well just tried again and got the same message as before, so looks like I'll have to do it the old fashioned way.
    • Freddie
    • By Freddie 8th Aug 05, 4:52 PM
    • 49 Posts
    • 4 Thanks
    Freddie
    Credit Reference Agencies (CRAs) have a statutory obligation to provide you with your credit file and charge no more than £2. These reports are paper based and will be posted to you.

    .
    by Galstonian
    I would like to get my credit report from Equifax, but from what I can see it'll cost £10! Is this right?
  • Tondella
    don't worry Freddie, Equifax are just being very cunning, if you scroll down through this page

    https://www.econsumer.equifax.co.uk/consumer/uk/sitepage.ehtml?forward=gb_elearning_credit14

    you'll see a section called By Post: That's the way to get a paper copy of your report for £2

    Tondella!
    • suniil
    • By suniil 15th Aug 05, 8:19 AM
    • 433 Posts
    • 50 Thanks
    suniil
    In vouchers section you can find a voucher for credit rating/report which brings down the cost from £12.95 to £6.25 (full report)

    HTH
  • catherineannelynch
    Question
    Does the amount of times you apply for a credit card affect your future credit scoring? (Even if you are accepted and always pay off your balance)
    • Reaper
    • By Reaper 5th Sep 05, 4:30 PM
    • 6,727 Posts
    • 5,090 Thanks
    Reaper
    Yes. Lenders will do a credit search before deciding whether to lend to you. This search shows up. If you have lots of searches in a short period it makes you look desperate and lenders become wary.

    Have a read about credit scoring by clicking on the "Credit Rating" link in the blue box above.
  • betyboop
    Can anybody help me i am trying to cancel experian credit report and cannot find how or where to do it.
    thanks jean
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