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Statutory Credit Check - £2.00 with Equifax, Experian & Call Credit
Statutory Credit Check - £2.00 with Equifax, Experian & Call Credit
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Statutory Credit Check - £2.00 with Equifax, Experian & Call Credit

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Think this deserves a repost as last posted close to 3 years ago.

Just in the process of buying a new house and wanting to check my credit reference files. Equifax and Experian are asking £6.99pm for you to access your data, whereas you are LEGALLY entitled to the same data for £2.

On the equifax website is a link where you can order online or through the post and you can instantly view it.

Well worth a look a few times a year to ensure that everything is in order. Amendments can be made to ensure your credit rating is healthy.

Note that accessing this data will NOT affect your credit rating in any way.

For those of you who know about this it's nothing new but still amazes me how many people are unaware of it!

Thanks for Newbold who has helped greatly with this post and provided the links to the different companies including Call Credit which is on page 2.

The direct link is now updated to take you to the Equifax page

77 Comments

Banned

Cold from me. You can get £5 to sign up to equifax monthly service through topcashback, get your report, then cancel.

Profit = £5, instead of cost = £2.


See here ... moneysavingexpert.com/loa…ore
(search for "topcashback" to go to relevant section). Note that it was £8 cashback when that article was written.

Original Poster

Yes - and when you cancel your quidco/topcashback gets cancelled with it. Read form the people who have done it.

Also, if you fail to cancel you get debited..........

I'm not really bothered if people vote this hot or cold - if it helps one person then thats my intention of posting it again.

Not a bad service this, used the other week as work wanted to check me out.

Hot from me.

Well, mine is spotless, but then I've not really used credit bar mobile phone bills and such... but how does this resolve into a credit score?

I have had a credit card for 9 months, but haven't used it. Does this have a good impact on my credit score, or no impact at all?

I'm sure someone will know... thanks

Banned

damnstudents;7811294

Yes - and when you cancel your quidco/topcashback gets cancelled with it. … Yes - and when you cancel your quidco/topcashback gets cancelled with it. Read form the people who have done it.



Mine wasn't last time I did it.

Banned

Magurdrac;7811351

I have had a credit card for 9 months, but haven't used it. Does this … I have had a credit card for 9 months, but haven't used it. Does this have a good impact on my credit score, or no impact at all?



It will make very little difference to your ability to get credit. There is no such thing as a credit score, different lenders will look for different things and score you in different ways. Have a read of the article I linked to on MSE in post #2.

NobbyB;7811378

It will make very little difference to your ability to get credit. There … It will make very little difference to your ability to get credit. There is no such thing as a credit score, different lenders will look for different things and score you in different ways. Have a read of the article I linked to on MSE in post #2.



There is such a thing a Credit Score, even Experian will give you your credit score for you based on information held on their database about you.. However, you are right insofar as that each lender has their own weightings and credit scores will differ from lender to lender. All lenders use their own credit scores as a threshold beyond which they will not lend or otherwise it will affect lending decisions.

There are credit analysts whose daily job is to change the weightings to reflect their lending models or changing market conditions.

can someone just confirm for me, if i register and pay the £2 to view my statutory credit report, does this mean im then signed up as a member and will have to cancel before 30 days or is it just a 1 off payment?

Thanks for the info. it's always good to have info like this at hand. Ignore the cold votes; heat and rep added.

nosluom;7811455

can someone just confirm for me, if i register and pay the £2 to view my … can someone just confirm for me, if i register and pay the £2 to view my statutory credit report, does this mean im then signed up as a member and will have to cancel before 30 days or is it just a 1 off payment?



It's a one off payment if selected and online report is valid for 30 days I believe.

I'd used up all my experian freebies, so this is a good cheap way of getting the info. Quite detailed for £2. Despite HUKD's drain on my resources, it turns out that, on paper at least, I'm doing okay!

Magurdrac;7811351

Well, mine is spotless, but then I've not really used credit bar mobile … Well, mine is spotless, but then I've not really used credit bar mobile phone bills and such... but how does this resolve into a credit score?I have had a credit card for 9 months, but haven't used it. Does this have a good impact on my credit score, or no impact at all?I'm sure someone will know... thanks



A credit score isn't something absolute. Any company which considers you will have its own criteria (which they don't make explicit) to base a notional 'score' on. e.g. some companies won't consider you unless you have a credit card, some won't consider you if you've fallen behind at all on your mortgage etc. Your credit 'score' isin the eye of the beholder.

seems pretty good i remember sign up for a 30day trial years ago.

thekanester;7811745

A credit score isn't something absolute. Any company which considers you … A credit score isn't something absolute. Any company which considers you will have its own criteria (which they don't make explicit) to base a notional 'score' on. e.g. some companies won't consider you unless you have a credit card, some won't consider you if you've fallen behind at all on your mortgage etc. Your credit 'score' isin the eye of the beholder.



^^What he said^^

Basically, Experian and Equifax provide the details (credit cards, mortgage, defaults on payments, on electoral role etc) about you and the credit provider uses this info against their score-card to make a decision. Each bit of info willl have a 'weight' assigned to it by the score-card depending on what the credit provider deems important. The info held by Equifax and Experian, in itself, is just that, info.

Perversely, someone with no payment defaults will generate a lower score on a score-card than someone who has missed a payment but has since paid it back in a timely manner. This is because it generates a default that has been resolved, showing that you are a responsible person to lend to.

Dave

damnstudents;7811294

I'm not really bothered if people vote this hot or cold - if it helps one … I'm not really bothered if people vote this hot or cold - if it helps one person then thats my intention of posting it again.



Rep added, for a refreshing attitude :-)

equifax.co.uk/Pro…tml

Direct link

Think the posted option is the best, at least you get a hard copy of it to keep and save your paper

Quite a lot of information for £2, thank you, heat added.

Good post, damnstudents. You might want to add Callcredit to your post for completeness. :thumbsup:

It's the third of the large credit agencies, but as important to check as the other two. They hide the £2 statutory check information away quite well on their website, and the only way you can apply is by post, but here's a direct link to the pdf:

callcredit.co.uk/fil…pdf

Original Poster

Thanks Newbold - great link!

Cold. These services are run by scammers and thieves.

it said i had to call so they can ask some final questions ??

I couldn't check mine online as I failed the credit check for the £2 payment :-( It referred me to a bloke called Alvin Hall for financial guidance and help who in turn told me not to have hotukdeals.com as my home page. Pah, what do they know? Have some heat.

So i pay the £2 and then there's nothing else ill be charged for or need to cancle?

Fujioka;7821151

Cold. These services are run by scammers and thieves.



What absolute garbage. All three are reputable credit reference agencies, and it's difficult to see how a one-off £2 to check your credit record could be anything but a bargain. :?

Well good to know Equifax&Experian do it online now making life easier.

Personally I have CapOne with 2 free Equifax reports per year standard with any of there cards as far as I'm aware. Though applied for Experian today online.

Heat added

CorsaVandal;7821230

So i pay the £2 and then there's nothing else ill be charged for or need … So i pay the £2 and then there's nothing else ill be charged for or need to cancle?



it says you need to cancel within 30 days i think ,, seen it when i tried to do it

CorsaVandal;7821230

So i pay the £2 and then there's nothing else ill be charged for or need … So i pay the £2 and then there's nothing else ill be charged for or need to cancle?



That's it - just a one-off £2 payment, with no cancellation to worry about. :thumbsup:

Newbold;7821281

That's it - just a one-off £2 payment, with no cancellation to worry … That's it - just a one-off £2 payment, with no cancellation to worry about. :thumbsup:



*Then only £6.99 per month to continue if you
don't cancel within your 30 day free trial.

how do you just get the one off for £2 if it says *Then only £6.99 per month to continue if you
don't cancel within your 30 day free trial.

hawick;7821279

it says you need to cancel within 30 days i think ,, seen it when i tried … it says you need to cancel within 30 days i think ,, seen it when i tried to do it



You're using the wrong link. The £2 is a fixed, one-off charge. The one that needs cancelling is the 'free' trial.

hawick;7821300

how do you just get the one off for £2 if it says *Then only £6.99 per m … how do you just get the one off for £2 if it says *Then only £6.99 per month to continue if you don't cancel within your 30 day free trial.



Here's the correct link to use:

equifax.co.uk/Pro…tml

A lot of confusion regarding this one, is it £2? or £2 and then you have to cancel to stop future debits? Seems a good deal for £2, Cheers

Also can you print the online report? Or is the only way to have a paper based report to choose the postal options?

Newbold;7821319

Here's the correct link to … Here's the correct link to use:http://www.equifax.co.uk/Products/credit/statutory-report.html




:thumbsup:

Nebula;7821321

A lot of confusion regarding this one, is it £2? or £2 and then you have t … A lot of confusion regarding this one, is it £2? or £2 and then you have to cancel to stop future debits? Seems a good deal for £2, Cheers



See posts immediately above.

These companies try their very hardest to tempt you away from the one-off £2 report (which they're obliged by law to provide you with) by making the 'free' 30 trial much more prominent on their websites. These 'free' trials MUST be cancelled, or they keep charging you every month.

The £2 is a one-off payment and needs no cancelling - a far better deal for most people.

CallcreditCheck is a personal credit check service provided by Callcredit

It says you get 3 months free, which you'll probably need to cancel. I've not used it so can't verify it but I'm adding it here for others who may be interested.

callcreditcheck.com/

awww im having problems with this , it asked me if i had a credit account with any of the list below , i answered that then it said i need to call them to answer final questions

Fujioka;7821151

Cold. These services are run by scammers and thieves.



Could not agree more! Those people take in considerantion your address rather than the individual.

If you lived in a house were some crooks did not pay the bills even though you have no relation with that... your credit scoring is affected as well.

Just done it, quite supprising really! A little info was missing or not updated but worth £2!!!
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