Advantages Quick responses to customer services
Disadvantages Incorrect infomation held and not much help to try and fix it
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Held serious incorrect info...
Although I believe that Experian is a great tool - when I decided to view my own report (due to the fact that I couldn't get any credit at all) I was shocked to find that there was incorrect information on my report including a Dispute/Gain which has been on my report for 5 years which claimed that I never paid off a store card and then moved house without informing them - THIS WAS A LIE. I paid that certain card off 5 years earlier, in full, and closed the account.I spoke to Experian about this, they told me to get in contact with the store card company myself - which then cost me a lot of time, money, and stress to try and sort out on my own. The card company told me that Experian was in the wrong for having this 'made up' info they they knew nothing about.
Experian have since put my details right, but after having 5 years of incorrect disputes on my report, my score is very poor and I still can't get any credit even though I have ALWAYS been very careful with my finances and borrowings. Experian then blamed myself, saying that customers should review their report often to ensure that their information is correct!!!!! Therefore my credit score remains low.My report also stated that I wasn't on the electoral roll - when indeed I am.
All in all I am glad that I viewed my report to allow me to fix all of the problems but everyone beware that they can hold incorrect information, do little help in changing it for you, and then after paying monthly fees to keep the report open to fix it yourself, you still have a poor score at the end of it all.Ridiculous.
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