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FREE 30 day trial to check your credit rating

Workaholic Avatar
1d, 2m agoFound 1 decade, 2 months ago
Found this in one of my tiscali newsletters, and thought I'd shared it with you lot.

From my research Experian are one of the 2 largest companies in the UK who deal with such enquiries each time costing £2, but here you have a 30 day free trial of it.
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Workaholic Avatar
1d, 2m agoFound 1 decade, 2 months ago
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Comments/page:
#1
For Mods, sorry if this is in the wrong place but I'd thought it'll be good for all of us bargain hunters to see how bad our loans etc are to our credit rating (especially as they're all used for the bargains found here and not any sort of investment..)

:pirate: :thumbsup: :pirate:
#2
I tried it but it says my postcode is not in the correct format - I've tried

ab12 3de
ab123de
AB123DE
AB12 3DE

What more can I do? :?

PS that's not my postcode - just an example of its format.. ie area, 2 number followed by another number and two letters......:!:
#3
iv tried this and i dont think it actually works, they say they wont charge your account for the free 30 days,k but the thing is they need your bank details etc.
I tried it but never had much luck with the freeby side of it, i eventually paid the £2 and just got one sent to me.
All these companys that charge more than £2 are ripping you off, you can by law get your credit report in the post for £2 sent to you.
#4
my partner and i have both used this loophole recently.......works fine. They want your details in the hope you forgot to cancel when 30 days is up. Do it online, get report, print off and cancel straight away. No probs with their CS.
#5
Hmmm... After filling out all my details, and getting all the screens etc... Im still awaiting their confirmation email. So i tried to login with the details which i chose to use and it's saying that i have already had a free trial...Which i most certainly never have had. Little concerning...
#6
woohoomoo
Hmmm... After filling out all my details, and getting all the screens etc... Im still awaiting their confirmation email. So i tried to login with the details which i chose to use and it's saying that i have already had a free trial...Which i most certainly never have had. Little concerning...

I did the same thing and have had the same reply. I certainly have never had a credit report before - from any company. I think I'll just cancel the direct debit straight away
#7
weesiecodal
I think I'll just cancel the direct debit straight away


This is exactly what i did as soon as nothing came my way within 2 days
#8
Ok little update for those who are curious about trying this. I woke up to an e-mail which confirmed my 30 day free trial had started. I checked my report (which didnt have much in it... which i suppose could be good).

I couldnt see any new direct debits set up on my bank account so i phoned up their free 0800 number, chose option 4 (cancellation option), and got a very pleasant young man. He just asks your name, address, date of birth, and a quick "why did you start an account with experian?"... I simply answered "Curiosity" and he was happy enough about it to not try to ask me to stay etc.

He left the account "open" for the duration of the trial but said it will self-cancel on the last day of the trial so that i am not charged.
#9
HHmmmm maybe they let some through and not others as it def didnt work for me :thumbsup:
#10
Equifax do the same...just cancelled my 2nd free 30 day trial yesterday.

https://www.econsumer.equifax.co.uk/consumer/uk/sitepage.ehtml?forward=gb_esn_detail

You must choose the:
"Equifax Credit Watch™ Gold

Try it for FREE for 30 days, then just £69.99 for 12 months"


I just use these free trials every 10 - 12 months to check my file is correct, print it out and file it.

They are very good about cancelling, no pressue to stay, yesterday I was not even asked why I wanted to cancel the trial.

Just dont forget to cancel within 30 days...I make a note on my diary and in my Outlook Calander!!
#11
They got one letter wrong in my post code, had led to a lot other things wrong. :thinking:

We should be paid to correct their errors, not the other way round. :whistling:

Anyway it is worthwhile to check it up...
#12
Freeman

We should be paid to correct their errors, not the other way round. :whistling:

For anyone who is interested in Experian, watch out when you log on. Not everything is free services!

If you accidentally click on something like your credit score, you will be charged for it, and the fee will not be waived as part of the free trial. :x
#13
I took out the free trial recently and everything was going tickety boo, but i noticed on it that there were 6 addresses I was linked to that I had nothing to do with. I filed a query thru experians online system outlining each of these properties individually and explaining that they were nothing to do with me.

About a week later I got an email sayin that my association with them had been removed. So I logged into my account and found they were still showing. I emailed all the queries again and again received the email saying they had been removed, but lo and behold they hadn't.

So I phoned them and the completely useless twonk on the end of the phone just told me to file a query. I had already explained to him that I had done this and yet he continued to tell me that this was the only way and that there was no alternative, so I was left in a bit of a pickle.

Eventually I just cancelled the trial and decided to forget about the properties because it didnt look like I was going to get anywhere with the useless gets.

I don't like the way credit companies work, I don't see why we should have to pay for our own information anyway, and when its obvious they've got it wrong they do nothing to help you or rectify it.

Also, during the free period, did anyone notice that every now and again when you logged in it showed your credit score at the bottom of the summary? Mine did on a few occassions and I never got charged the extra £4.99 they were asking. Weird.
#14
Caesar

Also, during the free period, did anyone notice that every now and again when you logged in it showed your credit score at the bottom of the summary? Mine did on a few occassions and I never got charged the extra £4.99 they were asking. Weird.

Weird indeed.

When I first logged on, I could not possibly get to see any useful information without bypassing to agree for the fee, I thought it would be part of the free trial that will be waived later.

Sadly they charged it and not going to do anything about it now. So much 'a Free trial' in fact a total booby trap. :?
#15
Caesar
I took out the free trial recently and everything was going tickety boo, but i noticed on it that there were 6 addresses I was linked to that I had nothing to do with. I filed a query thru experians online system outlining each of these properties individually and explaining that they were nothing to do with me.

About a week later I got an email sayin that my association with them had been removed. So I logged into my account and found they were still showing. I emailed all the queries again and again received the email saying they had been removed, but lo and behold they hadn't.

So I phoned them and the completely useless twonk on the end of the phone just told me to file a query. I had already explained to him that I had done this and yet he continued to tell me that this was the only way and that there was no alternative, so I was left in a bit of a pickle.

Eventually I just cancelled the trial and decided to forget about the properties because it didnt look like I was going to get anywhere with the useless gets.

I would make sure you get the other addresses removed pronto!

See: http://www.experian.co.uk/consumer/vof_signs.html

I recommend that you send experian a recorded delivery letter indicating what you saw in your report and indicating that you want these other addresses removed. Also mention that you asked for them to be removed twice but they hadn't been.

Also worth finding out what the other 2 credit reference agencie have recorded for you.
See:

Call credit
Tel:0870 0601414
[url]www.callcredit.co.uk[/url]

Equifax
Tel: 0870 5143700
[url]www.equifax.co.uk[/url]
#16
You can get £5 thru Quidco with this too! :-D

http://www.quidco.com/credit-expert-uk/
#17
martin-w
I would make sure you get the other addresses removed pronto!

See: http://www.experian.co.uk/consumer/vof_signs.html

I recommend that you send experian a recorded delivery letter indicating what you saw in your report and indicating that you want these other addresses removed. Also mention that you asked for them to be removed twice but they hadn't been.

Also worth finding out what the other 2 credit reference agencie have recorded for you.
See:

Call credit
Tel:0870 0601414
www.callcredit.co.uk

Equifax
Tel: 0870 5143700
www.equifax.co.uk


Yes I suppose I should do that, trouble is how will I know whether they've removed them without then subscribing to the robbing b******s. But nonetheless I will get in contact with them again and who knows next time I may get someone with at least 2 brain cells in tact.

With regards equifax, I looked at my report on their site some time back and found it absolutely useless. Experian seems to hold most of the date on me, and more lol.

Thanks for the advice :thumbsup:
#18
Tried this a few months ago, expecting to see all my financial history details.
Had to pay £4.99 to see anything worthwhile, and even then it's nothing most people don't already know about there finances.
Beware, the "free trial" is just to get you through the virtual door.
I cancelled my free trial within 14 Days, it was a complete waste of time for me.
Hope this helps

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