How to obtain credit reports

Rose1960 wrote: »

I have recently been rejected for a cash back credit card and so obtained a credit report. Ive realised I have been inputting the wrong amount of time at my current address and so it doesn't coincide with the electoral roll. Will the fact the details on my credit report are incorrect effect my score? and also should i re-apply for the previous card in light of this error? Thanks for the advice!

Unlikely to be the reason. Previous addresses are used to identify you. After that they use the information in your credit report, not the information you give them.

If your current address was correct and matched the electoral roll, I would assume that they identified you and rejected you based on the information in your credit report. You can ask them to tell you why but it's pretty unlikely they'll tell you anything specific

Hi i get free for life credit report from noddle.co.uk worth a try for you all instead of keep paying

Hi sfax oh ok i didnt no that noddle wasnt suitable for certain details im not looking to get another credit card or loan or anything really i was just interested in my rating which was 3/5 which i dont no is god or bad really lol thanks for reply

MGDannoyed wrote: »

I have just been made aware from Credit Expert that the 30 day free trial is a one time only deal.

So, if you have previously had a service from them they will take £14.99 from your account the next time you apply for the free trial and keep it.

Apparently it is clearly stated on application, however I took my time reading the terms and conditions but somehow overlooked it.

It is one time only but it's also pretty clear when it identifies you as already having had a free trial that you'll be charged if you proceed. Just get your £2 statutory report from them once per year and also before any new credit application. That's all you need from each CRA

skin_care wrote: »

Well you can get this information through your bank statements.

:spam: reported