Does anyone here pay for Experian/Equifax, etc - Recommendations - HotUKDeals
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Does anyone here pay for Experian/Equifax, etc - Recommendations

Mrs.Z Avatar
6y, 11m agoPosted 6 years, 11 months ago
After seemingly becoming a victim of ID theft, we have been looking into paying a monthly subscription for a credit checking company to keep an eye on things

Am currently signed up for a one month free trial with Equifax but don't know if they are the 'best' company.

Can anyone recommend? Thank yous x
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Mrs.Z Avatar
6y, 11m agoPosted 6 years, 11 months ago
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#1
I am subscribed to Experian. I think they charge me £6.99. I have been thinking about cancelling as I have not found it much use. They send me monthly alerts if anything changes on my profile like big debits or new accounts additions etc. They show all your accounts and balances and who to contact if you need to phone the invidual companies who have your accounts. This is the only company I have used so cant offer any more details. oh there is another one to research into they I used once but it really doesnt offer any real details like equifax its http://www.annualcreditreport.co.uk but have a read on the net on that am not so sure about that one.
#2
I use a company called checkmyfile.

It is possible to view your report from Experian, Equifax and Call Credit instead of opening individual accounts. I went for the triple agency report which allows me to view my reports from each company on a quarterly basis. There are other options available if you check their website http://www.checkmyfile.com/.
#3
Hey! These people have too much power. The lenders use them for credit checking and if you don't have a good credit rating with them you can be refused a loan.
Does this not smack of 'Big Brother'. If everyone looks to them for approval they will become even more powerful.
Time to say NO! and stop filling their coffers with subscriptions - this is just the thin end of the wedge - YOU HAVE BEEN WARNED.
If you keep your nose clean and are careful with your data and passwords / account numbers, you should be fine.!
banned#4
if you get a play.com card you get an equifax subscription for free. or was that capital one??
#5
michaelmakro
Hey! These people have too much power. The lenders use them for credit checking and if you don't have a good credit rating with them you can be refused a loan.
Does this not smack of 'Big Brother'. If everyone looks to them for approval they will become even more powerful.
Time to say NO! and stop filling their coffers with subscriptions - this is just the thin end of the wedge - YOU HAVE BEEN WARNED.
If you keep your nose clean and are careful with your data and passwords / account numbers, you should be fine.!


Even if you are squeaky clean, lenders DO make errors which is why I signed up to checkmyfile.

As it stands I have two major errors one for a dormant account that was 'apparently' closed over 3 years ago and reopened. I had another in which I had apparently defaulted for 3 months even though my direct debits had never been cancelled and payments made with no problems from my bank account.

I've already managed to get a free phone out of the latter and the first company will be paying a hefty sum for screwing my credit rating.

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