Advantages FREE REPORT AVAILABLE ONLINE
Disadvantages CAN BE EXPENSIVE IF YOU FORGET TO CANCEL
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.
www.experian.co.uk 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!!!
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.
Attention, this is the first review from this author
Instead of giving a negative rating, consider:
Help this member by giving your advice
Report fraud (for example plagiarism) or other issue with the review to the Ciao support team
Add your comment