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Experian Credit Check

£0.00 @ Experian
Has anybody got any experience with Experian Credit Check? E.g. is it any good and is it reliable? And also does anybody know if using this service actually affects you rating? Thanks in advance. Read More
matt-the-blade Avatar
8y, 1m agoPosted 8 years, 1 month ago
Has anybody got any experience with Experian Credit Check? E.g. is it any good and is it reliable? And also does anybody know if using this service actually affects you rating? Thanks in advance.
matt-the-blade Avatar
8y, 1m agoPosted 8 years, 1 month ago
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#1
Yeah it's good, just sign up for the 30 day free trial then cancel it before it expires. It doesn't and I don't know why it should in the first place effect your credit rating.
#2
DONT DO IT!!!

the more "footprints" that are on your credit report (experian leaves these) the lower your credit rating goes. It dont make sense, but i work in a bank, designing morgage systems, and we have to be careful about leaving too many un-nessersary footprints on accounts, as it then impacts the cust...

unless you feel you have a need to do this, like if you think your blacklisted due to i.d theft, then DONT DO IT!
#3
can usually get £7/8 from quidco or topcashback if you sign up thru them
#4
casparwhite
can usually get £7/8 from quidco or topcashback if you sign up thru them


not worth in IMHO.. honestly.. stay away.. messes your credit rating..
#5
I'm not sure about it affecting your rating but my dads company uses them for credit checks to assess the amount of credit he is willing to offer them.
#6
Kandiman1983
DONT DO IT!!!

the more "footprints" that are on your credit report (experian leaves these) the lower your credit rating goes. It dont make sense, but i work in a bank, designing morgage systems, and we have to be careful about leaving too many un-nessersary footprints on accounts, as it then impacts the cust...

unless you feel you have a need to do this, like if you think your blacklisted due to i.d theft, then DONT DO IT!


Incorrect, viewing your credit file with a reference agency does not impact your rating.

No searches will be logged.
#7
Kandiman1983;4612094
DONT DO IT!!!

the more "footprints" that are on your credit report (experian leaves these) the lower your credit rating goes. It dont make sense, but i work in a bank, designing morgage systems, and we have to be careful about leaving too many un-nessersary footprints on accounts, as it then impacts the cust...

unless you feel you have a need to do this, like if you think your blacklisted due to i.d theft, then DONT DO IT!

I don't think you're right. See the quote I've taken from here: http://www.moneywise.co.uk/news-views/2008/02/04/how-to-improve-your-credit-rating

And when you check your credit rating you will not leave any footprint. This means you can check your rating as many times as you like, to protect against ID theft, without running the risk of ruining your rating.
#8
Kandiman1983
DONT DO IT!!!

the more "footprints" that are on your credit report (experian leaves these) the lower your credit rating goes. It dont make sense, but i work in a bank, designing morgage systems, and we have to be careful about leaving too many un-nessersary footprints on accounts, as it then impacts the cust...

unless you feel you have a need to do this, like if you think your blacklisted due to i.d theft, then DONT DO IT!


Nonsense, Experian are the main credit reference agency in the UK. They are the people who maintain your credit record, they are the people the banks go to when they want to check your credit rating. Requesting a credit report has no effect on your credit rating, it is not the same this as running a credit check which does pretty much exactly what you describe - working in a bank I'd have thought you should know the difference.

What viewing your report does do however is allow you to check for errors and get them corrected. It is well worth it for this fact alone, it will also highlight any attempts to steal your identity, as you will remember applying for that credit card if it was really you......:thumbsup:
banned#9
megalomaniac
Nonsense, Experian are the main credit reference agency in the UK. They are the people who maintain your credit record, they are the people the banks go to when they want to check your credit rating. Requesting a credit report has no effect on your credit rating, it is not the same this as running a credit check which does pretty much exactly what you describe - working in a bank I'd have thought you should know the difference.

What viewing your report does do however is allow you to check for errors and get them corrected. It is well worth it for this fact alone, it will also highlight any attempts to steal your identity, as you will remember applying for that credit card if it was really you......:thumbsup:


Totally agree, and I work for a Bank also!

It will leave a record of a search but this is not the same as an application for credit and does not impact the overall rating at all.

As mentioned before, blacklisting does not exist.
#10
hankmarvin4
Totally agree, and I work for a Bank also!

It will leave a record of a search but this is not the same as an application for credit and does not impact the overall rating at all.

As mentioned before, blacklisting does not exist.


It will not leave a record of a search.
banned#11
chester123
It will not leave a record of a search.


On my Experian report, it notes a search by Experian, I would imagine to enable them to prepare the report.

But I could be wrong
#12
to all.. sorry if tis wrong advise.. this is what ive been lead to believe, and was only trying to help... apologises for the incorrect info... however. i shall still, personally, be staying away from it, unless i require it for something important...


http://www.personalcreditrating.co.uk/experian-and-equifax-explained.html

"The problem here is simply that every time a search is made on your credit file, a footprint is left and too many footprints can also go against you when you apply for future credit."


...not just me who thinks this either...
#13
Kandiman1983
to all.. sorry if tis wrong advise.. this is what ive been lead to believe, and was only trying to help... apologises for the incorrect info... however. i shall still, personally, be staying away from it, unless i require it for something important...


http://www.personalcreditrating.co.uk/experian-and-equifax-explained.html

"The problem here is simply that every time a search is made on your credit file, a footprint is left and too many footprints can also go against you when you apply for future credit."


...not just me who thinks this either...


That sounds a LOT different when read in context....it's not credit reports she's referring to when she says that, it's credit searches, i.e. when someone checks your credit history against their criteria for lending - so if, for example, you apply for a mortgage.
#14
Definately worth doing IMO.

I requested one when I was refused a loan.

Turns out I had a CCJ against my name which I knew nothing about. Needless to say, I was able to contact the court & get it removed. Looking back, it would have been the reason why I couldn't get my first mortgage.

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