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Equifax and Experian both sell expensive credit checks online which cost £6.99 / £9.99 / £14.99. These are all a rip off and are often by monthly subscription. Spotted this hidden on the Equifax site but by the looks its basically the same thing, just on paper! I dont think they want you to do this though!

By law, you are entitled to a copy of your Statutory Credit Report by post for a fee of £2.

Simply print out this PDF file.

When requesting your credit report by post, please complete the Credit File Application Form and send it to the address below. Be sure to include your full name, address and most recent former addresses (up to six years) for file matching purposes. Please include a personal cheque made payable to Equifax Plc.

Equifax Plc.
Credit File Advice Centre
PO Box 1140
Bradford
BD1 5US
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coalfield Avatar
9y, 5m agoFound 9 years, 5 months ago
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#1
[SIZE=2]This was the case always, I guess :)[/SIZE]
[SIZE=2][/SIZE]
[SIZE=2]Paid only £2 by cheque in 2001.[/SIZE]
#2
that was back before the decided to try to rip eveyone off :(
#3
yea as edi says always been available for £2.

you do see offers for free 30 day trial of the online checks

is one off top of my head. not looked at it much though
#4
Yup Edi is right,

cheap to get your report by mail. I used there online service for £10 before i knew that and I did not have complete information so my report was useless
:(

Always good to know what your credit situation is before going for a mortgage and doing it the way you suggested coalfield is the way to go.

Nice find as it is good info for people needing to check what info companies have put on their credit file etc.
#5
Not a good idea to run a credit check against yourself unless it is absolutely necessary.
Every time a check is run it is held against your name having a negative effect against your credit history.
#6
Sykobabble
Not a good idea to run a credit check against yourself unless it is absolutely necessary.
Every time a check is run it is held against your name having a negative effect against your credit history.


This is true, every credit check made against yourself be it either a mobile phone company checking you before a contract or you checking yourself will add to a tally to your score on the credit file. So only worth doing before big purchase etc if you think you might need to iron out somne problems on your credit file.

I had to do this for example when my mobile phone operator made a huge mistake and overbilled me forgot to remove and damaged my credit file. A quick check of my credit nfile and a few calls and letters later my file was restored back to fine.

Good point sykobabble
#7
Never used them so don't know how well they track but by taking up the free trial with Credit Expert via Quidco you could also land yourself £5..... http://www.quidco.com/finance/credit-expert-uk/
(Just remember to cancel in good time as with any free trial)

Credit Expert UKCreditExpert offers you a FREE Experian credit report. This helps you see the information lenders see when you apply for a credit card, mortgage or loan. Check that all the information contained on your credit report is accurate and up to date.

For genuine tracked transactions completed wholly online, you can earn:
£5 for signing up to the one month free trial
#8
Sykobabble
Not a good idea to run a credit check against yourself unless it is absolutely necessary.
Every time a check is run it is held against your name having a negative effect against your credit history.


But you're not running a credit or identity check, you are simply asking for a copy of your file.

I get a copy of my file on a fairly regular basis and and my requests have never been recorded!

BTW you can make the same request online and it still only costs £2 (paid by debit card - not sure they take credit card).

http://www.experian.co.uk/consumer/orderPaperReport.html
https://www.econsumer.equifax.co.uk/consumer/uk/gb_consumerletter.ehtml

They don't make these obvious on their websites because they don't make as much money out them.
#9
true arotabi I always get mine online every 3 months much better and quicker than via mail and still costs £2
#10
dont forget quidco!
#11
loupomm
dont forget quidco!


Look up Lou...& beware lurking maniacs!!!

(No-one seems interested anyway but hey, maybe they'll listen to you??!?)
#12
Not to worry about Credit search history due to CRAs search, as they are marked as "other searches" - clearly & no impact on your file.

I do full credit search at least once in two months. £2 report is not good enough to dig down into all your details & your actual points gained
#13
[SIZE=2]By paying a fee & getting a copy, you are NOT doing a credit check on your file. If you have online subscription, you can access your file at anytime without leaving a trace. :)[/SIZE]
#14
Great info, think I'll send this off. Havent got a clue what my rating is.
#15
mikeyp
Great info, think I'll send this off. Havent got a clue what my rating is.


For £2, they woudnt tell you what your rating is. Experian will ask for £5.99 extra for credit rating, if done online.

CheckMyFile.com have a FREE credit scoring tool.
#16
edi
For £2, they woudnt tell you what your rating is. Experian will ask for £5.99 extra for credit rating, if done online.

CheckMyFile.com have a FREE credit scoring tool.


What will it detail then? direct debits, late payments etc?

useful tool btw.
#17
I got this done for FREE using credit expert(experian),you only need to log your direct debit details(nothing to pay) after which on 30th they will take 5.99 a month(not likely guv)
So you sign up,get the report,save/print it out,call them to cancel next day thats it cost you nothing.
Just try and make sure you have as correct details as possible as say you miss an initial then try and go back and change you can`t(it will think you`re someone else).

Here`s the quote from martinsmoneytips

The credit agencies' desire to sell us an ongoing ‘credit monitoring' service costing around £70 a year leaves a loophole open. To tempt you, they offer ‘free trials', which involve setting up a Direct Debit or regular credit card payment, in the hope you'll just let it drip from the account.

So sign up, then view your file at no cost (either instantly or after they've sent a passcode) and then cancel the subscription. Even though they allow 30 days, I'd do this straight away; leave it a month and you may forget..

The specifics for each agency:

* Equifax. Its Credit Watch Gold* has two options, one at £7.50 a month, but the one to choose is the ‘Free for 30 days and then £69.99 for the year'. To request cancellation call 0870 0100583 and quote your account reference.

* Experian. Its Credit Expert* offers a ‘free trial then £5.99 per month' service. To cancel, call the free-phone number 0800 656 9000, or email [email protected]">[email protected]

* Callcredit. Its MyCallcredit has two services, the quarterly unlimited access for £8.95 or the Ealert which is free for 30 days (and then £44.99) and gives unlimited online access to your credit report during the trial. To cancel you should email [email protected]">[email protected].
#18
mikeyp
What will it detail then? direct debits, late payments etc?

useful tool btw.


Will have several sections like :-

Your Present & past addresses
Details from Electoral Register
Credit History (Current & Settled - detailing if ur payments were on time)
Court Judgements (if any)
Joint Financial Interests (if your financial interests are linked with another person, say ur spouse)
List of Companies who searched ur file

etc..
#19
I got an experian credit report for free. Signed up for the monthly thing, got the credit report then phoned up and cancelled... literally all within 15 mins. Got them to send a verification of cancellation via email so I was covered as well.

Not charged a penny.

Very easy.. and I never normally do things like that, but trust me it was easy.
#20
OrangeJuice
I got an experian credit report for free. Signed up for the monthly thing, got the credit report then phoned up and cancelled... literally all within 15 mins. Got them to send a verification of cancellation via email so I was covered as well.

Not charged a penny.

Very easy.. and I never normally do things like that, but trust me it was easy.


Hope u got £5 Quidco as I did for Experian ;-)
#21
credit expert do £5 quidco for taking up an experian trial!
#22
mikeyp
credit expert do £5 quidco for taking up an experian trial!


CreditExpert is owned by Experian and yes, there is £5 Quidco. No enquiries supported so make sure cookies are brushed away before Quidcoing :)
#23
My parents would be interested to see their credit files, but they don't have chequebooks, and do not have a credit or debit card to do it the online way either - how can they get one?
#24
good one:thumbsup:
1 Like #25
Mattitude
My parents would be interested to see their credit files, but they don't have chequebooks, and do not have a credit or debit card to do it the online way either - how can they get one?


They can write to Experian or any credit ref agency with £2 postal order or you can issue a cheq for them.
#26
edi
They can write to Experian or any credit ref agency with £2 postal order or you can issue a cheq for them.

Ah, the postal order should probably suffice then - crossed?

Thanks for the info :)
#27
Mattitude
Ah, the postal order should probably suffice then - crossed?



Not 100% sure abt this Mattitude ... Better to ring them via Freefone number which can be found on their site. :)
#28
WTF? Did the online £2 credit check on Experian and got this message:

Sorry there has been a problem

Unfortunately, we could not process your application for a credit report because we were unable to fully confirm your identity based upon the information available to us.
In order for your application to proceed, you need to write to the address below enclosing a copy of either a current passport or driving licence in your name together with two other original documents connecting you to your present address (eg. bank statement, mortgage statement, council tax bill, solicitor's letter, or recent utility bill in your name) these must be dated within the last three months. Please quote your reference number document.write(parent.hidden.hidden_AUDIT_REF); when you write to us.
Your card has been debited.

Dept. SV
Consumer Help Service
Experian Ltd
PO Box 8000
Nottingham
NG80 7WF


There's no reference number!
#29
poppy10
WTF? Did the online £2 credit check on Experian and got this message:



There's no reference number!





just give them a call and ask them what to do. not much else you can do if you have no ref number to go by.
1 Like #30
While a credit agency or bank will supply a long winded application, this is not necessary and you can apply for your credit file by simply doing the following;

1) Write a note stating; ‘I wish to apply under section 7 of the Data Protection Act 1998 for a copy of my Credit Reference File’,
2) Provide your name, your current address and the address for which you require your credit information,
3) Enclose the £2 fee by either cheque or postal order.

Other Points
• If you use the credit agency’s application form, any additional personal details supplied by you will be added to your credit file and made public.
• It best to apply to all of the three main credit reference agencies, because it is common for one agency to have recorded some information about you, that another agency has not.
• ‘Instant’ credit reports, like hard copy reports, still require that the agency verifies your identity. Therefore they will need to post you a PIN in order verify your address before you can access the ‘instant’ report online.

The three main credit reference agencies are;

Equifax Plc
Credit File Advice Centre
PO Box 1140
Bradford
BD1 5US

Tel: 0870 010 0583
Web: [url]www.equifax.co.uk[/url]

Experian Ltd
Consumer Help Service,
PO Box 8000
Nottingham
NG80 7WF

Phone: 0870 241 6212
Web: [url]www.experian.co.uk[/url]

Call Credit Plc
Consumer Services Team, PO
Box 491
Leeds
LS3 1WZ

Phone: 0870 0601414
Web: [url]www.callcredit.plc.uk[/url]
#31
The £2 check also avoids giving them your email and phone which they can sell.
Time saving tip: instead of filling in pdf forms a standard letter can be copied and signed and sent to all agencies.
#32
ru3
While a credit agency or bank will supply a long winded application, this is not necessary and you can apply for your credit file by simply doing the following;

1) Write a note stating; ‘I wish to apply under section 7 of the Data Protection Act 1998 for a copy of my Credit Reference File’,
2) Provide your name, your current address and the address for which you require your credit information,
3) Enclose the £2 fee by either cheque or postal order.

Other Points...............


Thanks for the info & welcome to HUKD ru3 :)
#33
i was applying for a credit card and kept on getting rejected,

so i applied for the my credit report from experian and equifax and when they arrived, i noticed that my brothers details were on my reports aswell.

so sent them a letter back saying i would like to disassociate my brother from my report and they changed it

not reapplied for a card yet, too scared that if they reject me again my score will go down again :(

so its very handy to check your report now and again.
#34
If you call equifax, they will send you that form out anyway.
#35
The 30 day trial from experian is good. I have done this before and as mentioned its only a 2 min call to cancel. But once you have done it once they want £5.99 to acess it again, and not only that it will carry on every month unless u cancel.

Dont forget quidco!

:?
#36
Was bored so just checked my credit status for free. Gold card with £2750 on its way.....:whistling:

Wonder how many more I can blag today, never use them, just add them to my collection:giggle:
#37
everyone can get a free annual credit report

see post in freebies:thumbsup:
#38
scorcher
The £2 check also avoids giving them your email and phone which they can sell.


Who says you have to give them an real phone number or email address-you can just make it up. This is a good practice for dealing with most companies in my opinion.
#39
gekkoa
Who says you have to give them an real phone number or email address-you can just make it up. This is a good practice for dealing with most companies in my opinion.


Especially confused.com. Give them your real number and you end up with string of insurance companies ringing you at all hours:x

Credit STILL good, Halifax One card on the way..... PMSL.

I don't recommend people follow my example, I just dont give a damn about my credit score;-)

By the way, if anybody wants a rough credit check try here : Moneysupermarket.com. Select smart search and answer a few questions and they give you an estimate of your credit score:thumbsup:
#40
Shengis
Especially confused.com. Give them your real number and you end up with string of insurance companies ringing you at all hours:x

Credit STILL good, Halifax One card on the way..... PMSL.

I don't recommend people follow my example, I just dont give a damn about my credit score;-)

By the way, if anybody wants a rough credit check try here : Moneysupermarket.com. Select smart search and answer a few questions and they give you an estimate of your credit score:thumbsup:


I should start giving a fake number out as i been an idiot and keep giving my real number out ....all ive had is people keep ringing me to tell me my number has been selected for a special mobile phone package :x

Experian are very good though and if you have any questions about your credit report they are always quick to respond and very helpful.

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