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  • urgentappliance
    I want to increase my credit card limit and with good scheme. Can you suggest me best banks which provide me these facilities.
    • wary
    • By wary 20th Feb 13, 6:12 PM
    • 714 Posts
    • 316 Thanks
    wary
    Just tried to order my £2 Equifax report online ... only to discover to my horror that I'd just signed up for their Equifax Credit Watch™ Gold membership and been charged £69.99!!!

    As far as I could tell, I clicked on the correct link. There was nothing along the way to say what I was signing up for or how much I'd be charged, and the T&C link was fairly generic for the various services they offer. I'm only told when I've clicked the final button.

    I phoned straight away and they agreed to refund and order the correct report. Nevertheless, unless it was me being particularly thick, it strikes me that they hope that you'll inadvertently sign up for this, by purposely not making it particularly clear.
    • sfax
    • By sfax 20th Feb 13, 7:42 PM
    • 1,146 Posts
    • 411 Thanks
    sfax
    Just tried to order my £2 Equifax report online ... only to discover to my horror that I'd just signed up for their Equifax Credit Watch™ Gold membership and been charged £69.99!!!

    As far as I could tell, I clicked on the correct link. There was nothing along the way to say what I was signing up for or how much I'd be charged, and the T&C link was fairly generic for the various services they offer. I'm only told when I've clicked the final button.

    I phoned straight away and they agreed to refund and order the correct report. Nevertheless, unless it was me being particularly thick, it strikes me that they hope that you'll inadvertently sign up for this, by purposely not making it particularly clear.
    Originally posted by wary
    Google Experian and there is a link on the first page to £2 statutory report: http://www.experian.co.uk/consumer/statutory-report.html

    Then choose the option on the left labelled £2 statutory report. It seems pretty clear to me unless you're saying that link signs you up for a subscription
    • wary
    • By wary 20th Feb 13, 8:00 PM
    • 714 Posts
    • 316 Thanks
    wary
    Google Experian and there is a link on the first page to £2 statutory report: http://www.experian.co.uk/consumer/statutory-report.html

    Then choose the option on the left labelled £2 statutory report. It seems pretty clear to me unless you're saying that link signs you up for a subscription
    Originally posted by sfax
    Thanks for the link. Agree that this seems pretty clear, but it was Equifax, not Experian, to which I signed up. There were various £2-report links, and I think I chose one where you can view the report online. It took me through various registration screens but at no point did it mention what I was signing up for or how much I'd have to pay.

    As a footnote to this, although she agreed to refund, my account shows she has withheld £5.83 ... no mention of this on the phone. So I had to phone their 0844 number again and after being put on hold multiple times, she agreed to refund this too, although it isn't showing on my transaction history so I don't know whether she has done.
    • sfax
    • By sfax 20th Feb 13, 8:08 PM
    • 1,146 Posts
    • 411 Thanks
    sfax
    Thanks for the link. Agree that this seems pretty clear, but it was Equifax, not Experian, to which I signed up. There were various £2-report links, and I think I chose one where you can view the report online. It took me through various registration screens but at no point did it mention what I was signing up for or how much I'd have to pay.

    As a footnote to this, although she agreed to refund, my account shows she has withheld £5.83 ... no mention of this on the phone. So I had to phone their 0844 number again and after being put on hold multiple times, she agreed to refund this too, although it isn't showing on my transaction history so I don't know whether she has done.
    Originally posted by wary
    My bad, I was looking at Experian, sorry. The Google approach works for Equifax too - there is a "2 statutory report" link that takes you here: http://www.equifax.co.uk/Products/credit/statutory-report.html

    If following that link ends up signing you up for a sub, then that is misleading. Not sure if that's the case or not

    They're not a good company to deal with on the phone. I have a £3 monthly (discounted) subscription with them at the moment. Email only - never call unless absolutely necesssary
    • wary
    • By wary 20th Feb 13, 8:39 PM
    • 714 Posts
    • 316 Thanks
    wary
    My bad, I was looking at Experian, sorry. The Google approach works for Equifax too - there is a "2 statutory report" link that takes you here: http://www.equifax.co.uk/Products/credit/statutory-report.html

    If following that link ends up signing you up for a sub, then that is misleading. Not sure if that's the case or not

    They're not a good company to deal with on the phone. I have a £3 monthly (discounted) subscription with them at the moment. Email only - never call unless absolutely necesssary
    Originally posted by sfax
    Thanks for the advice. I did go to that link although not totally sure what I did after that - I think I clicked the second link down to get the report online.

    Just been looking online at they get a lot of stick, primarily for the way that they screw money from you. I've e-mailed their customer services as although they've cancelled my membership, they may well have signed me up for their free trial instead!
  • Romanzach
    Hi all,

    I recently received my £2 Experian report, stating my 2 previous addresses (6 years worth). Will all data be shown as I believe some may be missing in relation to where I lived around 8 years ago. Could this be the case?
    • sfax
    • By sfax 21st Feb 13, 2:33 PM
    • 1,146 Posts
    • 411 Thanks
    sfax
    Hi all,

    I recently received my £2 Experian report, stating my 2 previous addresses (6 years worth). Will all data be shown as I believe some may be missing in relation to where I lived around 8 years ago. Could this be the case?
    Originally posted by Romanzach
    The account history only goes back 6 years. Some closed accounts will disappear only 2 years or so after they were settled
  • princesj
    I got such a nice information.I really appreciate with this.Thanks for sharing.
    • sfax
    • By sfax 22nd Feb 13, 10:52 AM
    • 1,146 Posts
    • 411 Thanks
    sfax
    reported
  • Rose1960
    Credit Report
    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!
    • sfax
    • By sfax 22nd Feb 13, 3:33 PM
    • 1,146 Posts
    • 411 Thanks
    sfax
    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!
    Originally posted by Rose1960
    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
    • sfax
    • By sfax 22nd Feb 13, 5:56 PM
    • 1,146 Posts
    • 411 Thanks
    sfax
    Many times people face trouble just because of less knowledge about the credit card offer. Even, I have seen people usually avoid reading or knowing about the terms & conditions. Its bad habit I can only request to read and understand every term of service.
    Originally posted by kauma
    reported
    • kittycatfan
    • By kittycatfan 22nd Feb 13, 10:45 PM
    • 208 Posts
    • 596 Thanks
    kittycatfan
    Hi i get free for life credit report from noddle.co.uk worth a try for you all instead of keep paying
    • sfax
    • By sfax 22nd Feb 13, 11:16 PM
    • 1,146 Posts
    • 411 Thanks
    sfax
    Hi i get free for life credit report from noddle.co.uk worth a try for you all instead of keep paying
    Originally posted by kittycatfan
    Noddle is useful for some details but it's not a substitute for Experian or Equifax as very few lenders use CallCredit. If you're going to apply for something you should always get your £2 statutory reports from Experian and Equifax
    • kittycatfan
    • By kittycatfan 23rd Feb 13, 12:39 AM
    • 208 Posts
    • 596 Thanks
    kittycatfan
    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
    Credit Expert 30 Day Free Trial
    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.
    • sfax
    • By sfax 27th Feb 13, 7:37 PM
    • 1,146 Posts
    • 411 Thanks
    sfax
    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.
    Originally posted by MGDannoyed
    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
    Well you can get this information through your bank statements.
    • sfax
    • By sfax 28th Feb 13, 7:28 AM
    • 1,146 Posts
    • 411 Thanks
    sfax
    Well you can get this information through your bank statements.
    Originally posted by skin care
    reported
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