Credit check
22 January 2006, 06:53 PM
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Credit check
I saw an advert for creditexpert.co.uk on the telly the other day. It reckons you can get details of your credit history with a 30 day free trial.
Purely out of interest, I wouldn't mind having a gander, even though I know my credit history is unblemished.
But, am I right in thinking that this kind of personal information can be had free of charge nowadays anyway, due to the revised Data Protection laws?
Purely out of interest, I wouldn't mind having a gander, even though I know my credit history is unblemished.
But, am I right in thinking that this kind of personal information can be had free of charge nowadays anyway, due to the revised Data Protection laws?
22 January 2006, 06:57 PM
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Its worth signing up for the 30day free trial, I did this myself, but there wasnt really anything interesting on there.
Also unlike what they suggest, you dont get to see what you 'credit score' is - you have to pay 5quid for this.
Also unlike what they suggest, you dont get to see what you 'credit score' is - you have to pay 5quid for this.
22 January 2006, 07:01 PM
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Originally Posted by scooby_matt
But, am I right in thinking that this kind of personal information can be had free of charge nowadays anyway, due to the revised Data Protection laws?
its all coded
for instance if you were 1 month late in paying your credit card bill it would have number of 1a - 3
2 months late 1bs-1 and so on
what you wont get is a credit score of x/100 cos each company has their own criteria
not teaching peeps to suck eggs just going over it for those who dont know
22 January 2006, 07:04 PM
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Originally Posted by Greatnorth
Its not free to "see" your credit record, you have to write to the big 2 and enclose a modest sum (couple of quid) and ask for a copy of the information they hold on you.
its all coded
for instance if you were 1 month late in paying your credit card bill it would have number of 1a - 3
2 months late 1bs-1 and so on
what you wont get is a credit score of x/100 cos each company has their own criteria
not teaching peeps to suck eggs just going over it for those who dont know
its all coded
for instance if you were 1 month late in paying your credit card bill it would have number of 1a - 3
2 months late 1bs-1 and so on
what you wont get is a credit score of x/100 cos each company has their own criteria
not teaching peeps to suck eggs just going over it for those who dont know
I'll probably give it a miss
22 January 2006, 07:10 PM
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Worth doing though seeing as though it costs nowt, all I'm doing for is cos its free..nowt to lose and maybe find out somet i didnt know about me, yet sum1 else does 
22 January 2006, 07:18 PM
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Already did it months back whilst applying for my mortgage, Just wanted to make sure it ran smooth with no humps, no humps no humps no humps, those nasty little humps 
ooops, sorry, Bloody song!!!!...yeah anyway I did it and cancelled it on the 28th day, didnt get charged a dime, worth doing cos its free...think its about 40 odd quid if you forget and run past the 30 day FREE trial...
ooops, sorry, Bloody song!!!!...yeah anyway I did it and cancelled it on the 28th day, didnt get charged a dime, worth doing cos its free...think its about 40 odd quid if you forget and run past the 30 day FREE trial...
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22 January 2006, 07:20 PM
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Originally Posted by Greatnorth
Its not free to "see" your credit record, you have to write to the big 2 and enclose a modest sum (couple of quid) and ask for a copy of the information they hold on you.
its all coded
for instance if you were 1 month late in paying your credit card bill it would have number of 1a - 3
2 months late 1bs-1 and so on
what you wont get is a credit score of x/100 cos each company has their own criteria
not teaching peeps to suck eggs just going over it for those who dont know
its all coded
for instance if you were 1 month late in paying your credit card bill it would have number of 1a - 3
2 months late 1bs-1 and so on
what you wont get is a credit score of x/100 cos each company has their own criteria
not teaching peeps to suck eggs just going over it for those who dont know
22 January 2006, 08:02 PM
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I've signed up for the year. Yes it does cost but your credit history controls a major of our lives now so I wanted to keep an eye on it, plus there's always the possibilty of identity theft occuring and you knowing nothing about it.
I get an email from an experian whenever a credit search is done against me ,and warns me if anyone has marked down a late payment or any other discrepancies.
I get an email from an experian whenever a credit search is done against me ,and warns me if anyone has marked down a late payment or any other discrepancies.
22 January 2006, 08:49 PM
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So they charge you £4-99 for a "credit score" that is only two quid in the first place, and hide the costs so you can't easily see them on their "creditexpert" web-site. And the five quid mentioned is an "introductory offer" - so what is the true cost?
Experian are really scraping the barrel
mb
Experian are really scraping the barrel
mb
22 January 2006, 09:05 PM
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Originally Posted by boomer
So they charge you £4-99 for a "credit score" that is only two quid in the first place, and hide the costs so you can't easily see them on their "creditexpert" web-site. And the five quid mentioned is an "introductory offer" - so what is the true cost?
Experian are really scraping the barrel
mb
Experian are really scraping the barrel
mb
The problem is, each lender has their own criteria. For example, Halifax have just lowered their headline loan rate to 5.8% but you'd have to be the Pope to qualify for that rate so even with a good score, excellent payment history and with a low credit-to-income ratio you could get "declined" and offered a higher rate. So Experians own score is merely an approximation.
22 January 2006, 09:20 PM
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Originally Posted by Newbie123
I've signed up for the year. Yes it does cost but your credit history controls a major of our lives now so I wanted to keep an eye on it, plus there's always the possibilty of identity theft occuring and you knowing nothing about it.
I get an email from an experian whenever a credit search is done against me ,and warns me if anyone has marked down a late payment or any other discrepancies.
I get an email from an experian whenever a credit search is done against me ,and warns me if anyone has marked down a late payment or any other discrepancies.
22 January 2006, 10:58 PM
#13
Actually, I applied for a credit card once and got declined despite no defaults, decent income etc etc.
I thought something must be wrong, so I signed up to this experian thing you're talking about, and it turns out some idiot (probably next tenant in a flat I rented) had taken my name and address (from letter, probably) and tried applying for credit (storecards)
He never got any because he had my date of birth wrong, but it's still a bit annoying that someone would try that, and it was good to find out, because I've now managed to get it cleared off from the record.
I think that the credit card company probably got a bit scared when they saw credit searches with different dates of births on my file
Hopefully if I ever need to apply for a mortgage or credit card or whatever now, it will go smoothly.
I guess what I'm trying to say is that it is well worth checking your credit file every now and then, just in case.
I thought something must be wrong, so I signed up to this experian thing you're talking about, and it turns out some idiot (probably next tenant in a flat I rented) had taken my name and address (from letter, probably) and tried applying for credit (storecards)
He never got any because he had my date of birth wrong, but it's still a bit annoying that someone would try that, and it was good to find out, because I've now managed to get it cleared off from the record.
I think that the credit card company probably got a bit scared when they saw credit searches with different dates of births on my file
Hopefully if I ever need to apply for a mortgage or credit card or whatever now, it will go smoothly.
I guess what I'm trying to say is that it is well worth checking your credit file every now and then, just in case.
22 January 2006, 11:30 PM
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Originally Posted by Henrik
Actually, I applied for a credit card once and got declined despite no defaults, decent income etc etc.
I thought something must be wrong, so I signed up to this experian thing you're talking about, and it turns out some idiot (probably next tenant in a flat I rented) had taken my name and address (from letter, probably) and tried applying for credit (storecards)
He never got any because he had my date of birth wrong, but it's still a bit annoying that someone would try that, and it was good to find out, because I've now managed to get it cleared off from the record.
I think that the credit card company probably got a bit scared when they saw credit searches with different dates of births on my file
Hopefully if I ever need to apply for a mortgage or credit card or whatever now, it will go smoothly.
I guess what I'm trying to say is that it is well worth checking your credit file every now and then, just in case.
I thought something must be wrong, so I signed up to this experian thing you're talking about, and it turns out some idiot (probably next tenant in a flat I rented) had taken my name and address (from letter, probably) and tried applying for credit (storecards)
He never got any because he had my date of birth wrong, but it's still a bit annoying that someone would try that, and it was good to find out, because I've now managed to get it cleared off from the record.
I think that the credit card company probably got a bit scared when they saw credit searches with different dates of births on my file
Hopefully if I ever need to apply for a mortgage or credit card or whatever now, it will go smoothly.
I guess what I'm trying to say is that it is well worth checking your credit file every now and then, just in case.
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