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Author Topic: experian credit check  (Read 1534 times)

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tunnie

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experian credit check
« on: 01 March 2009, 20:19:03 »
Anyone used it? I'd be interested to know what mine is, the only outstanding finance i have is my official student loan.

I have a credit card, but its paid off in full every month.

Is it actually worth knowing?  :-/
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VXL V6

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Re: experian credit check
« Reply #1 on: 01 March 2009, 20:21:10 »
Not really worth it, you'll have a good credit rating so I wouldn't worry  :y
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JamesV6CDX

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Re: experian credit check
« Reply #2 on: 01 March 2009, 20:22:14 »
I don't think your level of debt matters - moreso it's based on a history of always making payments for things.

I paid £6 for mine - apparently my score is 999 out of 1000 - which is as good as it gets.


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tmx

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Re: experian credit check
« Reply #3 on: 01 March 2009, 20:23:19 »
Ive used there 30Day free trial and i didnt find it useful all it shows is all your Credit Accounts including bank accounts and how you conduct your accounts on a traffic light system

useful feature is it will show you details of Credit searches that have carried out on you very useful if you want to keep an eye on ID Theft

other than that its useless it will give you your Official credit score in numbers but what use is that!
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TheBoy

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Re: experian credit check
« Reply #4 on: 01 March 2009, 20:39:06 »
Quote
Anyone used it? I'd be interested to know what mine is, the only outstanding finance i have is my official student loan.

I have a credit card, but its paid off in full every month.

Is it actually worth knowing?  :-/
Pretty certain, if you follow the link in my sig, you can get a free trial, plus you also get a few quid for trialling it ;)

If its not Experian, its one of the check companies :y
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jjleonard

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Re: experian credit check
« Reply #5 on: 01 March 2009, 20:54:43 »
I use it and it shows me my bloody awful credit score instantly.

Good to see what the status of all your debts are if - like me - you owe a bundle.

Defaulted on a credit card last year though so the score is appalling and I couldn't borrow money if the market is good, never mind the godawful state it's in at the moment.

Good job the G/F has a golden credit record...

The experian thing can be set up to text you the minute a credit check is made on you - handy to avoid fraud.
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AndyVXR300

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Re: experian credit check
« Reply #6 on: 01 March 2009, 20:59:17 »
Done mine just to see the results and peace of mind to be honest, there is so much id fraud at the moment its wise just to check it to be certain of your status...
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Big Sye

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Re: experian credit check
« Reply #7 on: 01 March 2009, 21:00:50 »
i have found that one time when i did a credit check experian used to show me having a bad rep.

buggers

i always use Equifax for my credit score checking.  only one i have found to be true.
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philhoward

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Re: experian credit check
« Reply #8 on: 01 March 2009, 21:10:28 »
Not seen mine...and don't really want to  [smiley=embarassed.gif].

My rating is pish and i know it...
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stuart30

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Re: experian credit check
« Reply #9 on: 01 March 2009, 21:10:33 »
Quote
Anyone used it? I'd be interested to know what mine is, the only outstanding finance i have is my official student loan.

I have a credit card, but its paid off in full every month.

Is it actually worth knowing?  :-/


Everyone should regularly check there credit file...worth checking all 3 agencies as different companies use different agencies with someone favouring just the one others using 2 of the 3.

Sign up too a trial via either the Boys link or use quid-co and receive cash back.
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STMO123

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Re: experian credit check
« Reply #10 on: 01 March 2009, 21:14:06 »
Quote
Anyone used it? I'd be interested to know what mine is, the only outstanding finance i have is my official student loan.

I have a credit card, but its paid off in full every month.

Is it actually worth knowing?  :-/

I pay £6.99 a month for experian. You not only get your credit score and are able to keep track of their records on you, but they will contact you if anyone tries to open an account in your name.
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pauldmackay

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Re: experian credit check
« Reply #11 on: 01 March 2009, 21:15:20 »
Quote
Anyone used it? I'd be interested to know what mine is, the only outstanding finance i have is my official student loan.

I have a credit card, but its paid off in full every month.

Is it actually worth knowing?  :-/

Student Loans don't show on credit reports...........
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tunnie

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Re: experian credit check
« Reply #12 on: 01 March 2009, 21:27:12 »
Quote
Quote
Anyone used it? I'd be interested to know what mine is, the only outstanding finance i have is my official student loan.

I have a credit card, but its paid off in full every month.

Is it actually worth knowing?  :-/

Student Loans don't show on credit reports...........

In that case my report would be very empty!
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John Lewis

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Re: experian credit check
« Reply #13 on: 01 March 2009, 21:38:11 »
Quote
Quote
Quote
Anyone used it? I'd be interested to know what mine is, the only outstanding finance i have is my official student loan.

I have a credit card, but its paid off in full every month.

Is it actually worth knowing?  :-/

Student Loans don't show on credit reports...........

In that case my report would be very empty!

No credit history can count against you as much as bad I've found.

Natwest and O2 seem to reject this in my experience. Vodafone and HSBC seemed more forgiving - well thats when my credit report was nonexistent then good. Now its appalling!!

To get myself mortgage friendly I got Experian AND Equifax reports then cleared any badness.
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nick v6

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Re: experian credit check
« Reply #14 on: 01 March 2009, 21:44:25 »
i got my credit report from experian

you fill out the forms online and they send a password in the post then you can view everything

i was shocked to find a bill outstanding from years and years ago and ive had no letters or anything :-X :y
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