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Statutory Credit Reports


cazzajay
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Hi all,

 

I'm trying to get a picture of my credit situation - having had my ups and downs like most of us.

 

I don't want to sign up for any of the free credit expert or owt like that - I just want to examine what is on my history, in its entirety. But I am a bit confused about the statutory credit report

 

The question I have is - in order to get a complete picture - does the statutory credit report (2 quid one) need to be obtained separately from the three credit reference agencies, or will the statutory report from one agency cover everything?

 

Also I know of: experian, call credit and equifax - are there any others?

 

Thanks for any help! :)

CJ

Smile, you never know who's watching...

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not all info is held by all the cra's

 

but if one is clear then i'd expect them all too be.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Superb thanks for the quick response. I think Im gonna get them all - it's only 6 quid, guess i can forgoe the beer tonight !! :lol:

 

So are there just the three CRAs?

Smile, you never know who's watching...

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yep

 

pers i've never bothered with the others

only use exp.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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There is no statutory (enshrined in Law) reason for you to have a credit report - these companies are unregulated and unlicenced and do not update data, they also farm data abroad for further harvesting and checking activities.

 

CRAs are not LAW and hence you should not perpetuate the 'statutory requirement' myth.

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