kismet 5


Add to my Circle of Trust

Subscribe to reviews

About me:

Member since:22.04.2001


Members who trust:23






Recommendable Yes:

16 Ciao members have rated this review on average: very helpful See ratings
very helpful by (77%):
  1. christianfilmcritic
  2. psychstudent1
and 17 other members
helpful by (23%):
  1. elephants69food_0
  2. mattygroves
  3. Soho_Black
and 3 other members

View all ratings

The overall rating of a review is different from a simple average of all individual ratings.

Share this review on Google+

I have recently used Experian to check my credit file. You can receive a report by post for £2 if you order it online (£2.50 by post). However you can also get this information for free! If you register for the free 30 day trial you can have instant access to your credit report online for 30 days at no cost at all. You can obtain a Credit Scoring report by post for £4.99.

The the cost for a years membership is £49.99, with a 90 day money back guarantee. It is important therefore, to cancel the membership before the 30 days are up, or you will be charged £49.99. If you have a lot of credit problems and wish to remain a member, then you will be able to check your report on a regular basis. is the website. Simply follow their instructions. You will of course need to enter full personal details, such as previous names and addresses.

You can also enter details of your spouse, if you want them to be linked to you, BUT be careful, if your spouse has a bad credit rating, DO NOT do this as your credit will be adversly affected by their bad rating!!!

The report comes up on screen and you can read each and every credit entry that is in your name. You can see which companies have checked your file for say a new credit card application.

There is also an option to query a credit file, so if you think that a mistake has been made, you can ask them to look into it. You just explain why you think it is wrong and Experian will investigate. If you are right, then they will amend your credit file.

If you remain a member, then Experian will also advise you by text or email if your credit report changes in any way.

I just wanted to confirm that there were no errors on my credit reference file. My bank manager once told me that I had the same credit rating as him, so I was not too worried, but like to check the file every couple of yours. Once I had checked that my credit was ok, I simply rang the Experian freephone number and cancelled my membership.

My partner was made bankrupt in 1998 and it took until 2004 for his credit to start to come good again. He checked his credit file with Experian and asked them to remove some incorrect items relating to a previous girlfriend and it made all the difference to his credit rating. If you have been made bankrupt, then you can check online that the discharge has been noted on your account.

Now my partner can get credit cards, loans, mortgage and everything that he was blacklisted for previously.


I would recommend the free 30 day trial to anybody with a credit problem. You can check all your details for free and get things amended if they are wrong.


  Write your own review

Share this review on Google+

« Previous review   Next review »

Rate this review »

How helpful would this review be to a person making a buying decision? Rating guidelines

Rate as exceptional

Rate as somewhat helpful

Rate as very helpful

Rate as not helpful

Rate as helpful

Rate as off topic

Write your own review Write a review and you will earn 0.5p per rating if other members rate your review at least helpful. Write a review and you will earn 0.5p per rating if other members rate your review at least helpful.   Report a problem with this review’s content

Comments about this review »

elephants69food_0 13.11.2005 16:53

good review em x

tallulahbang 06.10.2005 19:34

Am fairly sure it's only a matter of time before I'm bankrupt, so this'll come in handy. xx

kimp123 05.10.2005 14:00

Good informative review.

Add your comment

max. 2000 characters

  Post comment

More reviews »

Review Ratings »

This review of Experian has been rated:

The overall rating of a review is different from a simple average of all individual ratings.

Are you the manufacturer / provider of Experian? Click here