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DeeperDown
Junior Member
United Kingdom
178 Posts |
 Posted - 18 July 2008 : 20:22:09
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Has anyone here ever recieved one of the £2 credit reports from Experian? I ask because there seems to be some disagreement about what information it contains.
Specifically I need to know if it contains how much you actually owe each of your creditors - a monetary value. Or does it just list all your creditors and the status of your debt? Defaults and so on.
DD |
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jilly51
Junior Member
United Kingdom
186 Posts |
Posted - 18 July 2008 : 21:20:33
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Hi yes i do mine on line,if ur got a visa electron/mastercard u can sign up and see ur credit report on line straght away,they did do a 30 day free trial which i did and if u want to cancel it befor the trial ends u can and u wont pay any thing,your report states every thing ur creditors and how much u owe and when u defaulted,credit searches from creditors,ccjs / bankruptcty /any linked address(address that u mite have obtained credit from)alias names u may have used,to be honest ur whole life history,mines not very exciting all mines says defaults and date of bankrupcty,they also email u a alert if theirs any changes to ur report,i like having mine on line and i can log in as many times as i like,but if u dont wanna do it on line its deff worth £2 to have it sent to ur,hope that helps u
jilly51 |
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DeeperDown
Junior Member
United Kingdom
178 Posts |
Posted - 18 July 2008 : 21:26:26
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Thank you so much. That was exactly what I needed to know. If someone could confirm the posted report contains exactly the same information as the online version that would be the icing on the cake.
I only wish I could do it online. I hate the waiting around to find out, but I think you need a credit or debit card in your own name and it is a long long time since I have had one of those. In fact I wouldn't want one even if I could get one, too many bad bad memories.
Your help has been invaluable jilly. I can't thank you enough.
DD |
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jilly51
Junior Member
United Kingdom
186 Posts |
Posted - 19 July 2008 : 21:36:56
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Hi DD
Im glad the info helped u its good that we can all help each other on here,yes the posted version is exactly the same as on line,mine looked like an essay the size of it,all u have to do is send experian £2 postal order requesting your credit report and it dont take very long,i also paid £2 for my equifax credit report and that took about a wk to come,i must admit both reports were identical but it was worth a couple quid just to check.so good luck and hope this helps u
jilly51 |
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pleasehelpme22
Junior Member
222 Posts |
Posted - 23 July 2008 : 17:41:26
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I know your question has been answere dbut i thought it was also worth mentioning that i use http://www.checkmyfile.com/ It is so easy to use. It does cost more but i thought it was well worth it, you can also get access to it straight away.
Hope that helps a little .
It does not however tell you how much you currently owe them but does show missed payments and your credit rating out of 1000. Also any court details against you etc |
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Credit Report
