Credit report, where to get it, experian or equifax?

[blueeyedboy1980]

I am in the process of requesting CCA's and would like to get my credit report to compare the report to the replies i am gonna get from my creditors. however, the creditors dont always use the same agency to get their information from and supply default information to. (please correct me if this statement is wrong) Which credit reference agency should i get my report from and is the £13 report that these companies do over the net the best report to get? thank you in advance for any help you can provide.

[sequenci]

i would get both to be honest.

 

you can obtain report via post for a statutory fee of £2

 

i know experian has a service called credit expert which gives a month's free trial (you have to register a card, be sure to cancel it within the month if you wish not to pay)

[blueeyedboy1980]

I would like to have a service which explains the report rather than just providing the basic. I wouldn't understand the basic one. will give credit expert a try.

[djdave]

There's honestly no point paying more than the £2 statutory fee - you still get an explanatory leaflet and we're more than happy to answer any queries here.

 

Don't fall for the CRAs marketing tricks.

[sequenci]

he's right you know

[blueeyedboy1980]

net slap received loud and clear thank you for your replies

[djdave]

Good boy

 

Seriously, if there's anything you don't understand in your report, just ask

[blueeyedboy1980]

thank you. in process of requesting them now. have also sent CCA requests for original documents. i'm bouncing off walls and wanting to be able to do more NOW but i have realised i have to be patient and wait for all the information to be sent back to me or the 14 days period to have elapsed. if however there is anything i can do in the meantime then please advise me.

[Casiemcdw]

My son has tried to get his credit report from both Equifax and Experian.

 

Experian - filled in the form and got as far as trying to confirm address when told that couldn't go any further, please call a number. Called the number and told them that he didn't want to continue the service beyond the 30 days so please cancel his card. Haven't had the free report from them yet (6 days so far).

 

Equifax - started filling in form but couldn't progress as site kept insisting that his surname wasn't "valid". We have a two word surname without a hyphen which seems perfectly OK on birth certificate, electoral roll, passport, building society account, etc.

 

A bit of a Catch 22 as he can't register to request a report and both phone help and email require you to register - looks like snail mail is the only route!!

[diskmandave]

if however there is anything i can do in the meantime then please advise me.

 

Patience is a virtue in these matters!

 

Here's some light reading to take your mind off things!!

 

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/71386-diskmandave-robinson-way-co.html

 

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/59620-diskmandave-lowell-finacial-capone.html

 

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/68852-ltsb-no-agreement-game.html

 

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/101162-diskmandave-barclaycard-x2.html

 

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/107360-diskmandave-mint.html

 

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/109902-diskmandave-wescot.html

 

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/111079-diskmandave-lowell-porfolio-i.html

 

That should stop you climbing the walls!

 

Stay calm!! - DMD

[shane5408]

hi guys,

 

i would suggest using checkmyfile - Credit reference, Credit file, Credit score, Rating

they allow you to view and monitor your credit report from all 3 CRA's Experian, Equifax and Callcredit. price isn't bad, £5 a month.

 

regards,

shane

[monopoly23]

I use them too. It gets updated once a month. You can compare all three reports and see which companies use which reference agencies.

[groovychickmum]

actually, i have had to put in a complaint in about the three report thing, been paying the 5 quid a month, yet only get reports from experian and call credit, equifax are wanting my signature (?) dont know why,(do they own any dca's), this is the only reason a can think of for them wanting my signature. emails to and fro, to check my file, basically saing i want what i am paying for, them saying it is their right to ask, me saying, i dont think so.......been going on since july.

[groovychickmum]

also, experian dont have any adverse thigs on though call credit has everything on, including illegal defaults (ie, crap 1 amount full of charges,therefore default void due to wrong amount), and this is the same for a few of them.

[shane5408]

actually, i have had to put in a complaint in about the three report thing, been paying the 5 quid a month, yet only get reports from experian and call credit, equifax are wanting my signature (?) dont know why,(do they own any dca's), this is the only reason a can think of for them wanting my signature. emails to and fro, to check my file, basically saing i want what i am paying for, them saying it is their right to ask, me saying, i dont think so.......been going on since july.

 

 

thats strange! When i applied for my account i got access to all my reports within a few mins!

 

With regards to some cra's holding some info and others not, thats precisely the reason i chose to use checkmyfile as they allow you access to all three reports, means you see absolutely everything on your reports, no nasty surprises to come!

[groovychickmum]

Credit File Says I Must Supply Signature And Verification Of Last Address(cannot Coz Lived Homeless At Friends House,for 2 Months, Prior To This Was In Womans' Refuge) For Equifax . Then I'll Be Able To Access My File.......so I'm Thinking Of SAR To Equifax , Credit File Know Who I Am, As They Are Getting Paid Monthly From My Own Bank, Therefore I Cannot See A Problem.

But Like I Said, Some Credit Ref Agencies Do Own Dcas...........

[groovychickmum]

Had No Problem With Access To The Other Two On Check My File Though.

[groovychickmum]

Well, I've Just Done The Online 2 Quid Thing On Equifax Site, Why Waste A Tenner? If They Sent That , Then I'm Gonna Email Check My File Back.

[iceboy]

Can anyone give any information on checkmyfile.com? I mean, if i buy reports from them, will i see all the 3 agencies report seperately or do they just combine them all and give me the results?

 

I already have obtained my equifax and experian credit reports on 30 day trials. However, i am looking to repair my credit scores and will need to check my reports frequently during the next 3 months or so and dont want to pay £66 for that to equifax which they will charge after the 30 days. And experian only charges £6.95 something.

 

Can anyone please tell me whether chekmyfile report is good or not and most important thing is that, do they show the reports individualy? Like lets say; Report 1: Experian, Report 2: Equifac, Report 3: Callcredit

Or is it like: Report Combined from 3 agencies: Checkmyfile

 

Thank you all for the answers.

[mtw1980]

If you're unsure which credit report to get, then look at this link:

 

http://www.thecreditagency.co.uk/Lenders_Use_Credit_Refere nce_Agency.html

 

It shows a table which details the credit reference agencies (CRA's) that credit card companies, banks, lenders etc. are using..... best to pick the CRA's where your credit data has been filed...... or, if you're applying for credit, then get a credit report from the CRA('s) where the lender gets their data from.

 

Also, Rather than paying the £2, you could get your Experian & Equifax credit reports for free. You simply need to register for their credit monitoring service (£60 for Experian Credit Expert or £69.99 for Equifax Credit Watch Gold), and then cancel the service within 30 days (it won't cost you a penny then). Both services are available here:

 

Free Credit Report Online Reference Agency: The Credit Agency UK

 

I know that for the Equifax service they simply verify your card for payment at the point of ordering and wouldn't charge it till the 30 days is up (if you haven't cancelled by then)..... it means you'd get the added benefit of their credit monitoring for a period then + of course your credit report is available online (Statutory credit reports can often take weeks to come through).

 

I know the Checkmyfile report seems good, but it doesn't seem to have full information from Experian included....... not entirely sure what's missing (it says only public credit report data is provided).... Maybe some checkmyfile users could shed some light on this for us? Also, it's not in 3 seperately identifiable reports (Experian, Equifax, Callcredit) it's all in their own format.

 

I guess it all depends on what it is you're looking for from a credit report really as to whether or not that's the best option over the seperate Experian, Equifax & Callcredit ones?