Credit Reports
There are 3 Credit Reference Agencies in the UK who hold information on the UK population, being CallCredit, Experian & Equifax.
To get your Credit Report posted out to you for just £2.00 you can write to the Credit Reference Agencies enclosing a cheque.
However, it possible to view your Credit Report for FREE!
If you wish simply to view your report, you can get instant access on-line within a trial period. After you have viewed the information, you can cancel your membership and will not incur any further charges.
The table below shows the services offered by the 3 Credit Reference Agencies in the UK.
| Free Period | Price | Rating | |
|---|---|---|---|
| Equifax | 30 | £6.99 |  |
| Experian | 30 | £6.99 | |
| Callcredit | 90 | £12.95 | |
The Equifax service offers the best and most comprehensive report.
The report provided is very straight forward to understand, and provides advice for each item of the credit report. In addition, it highlights the potential impact on your credit score and ability to obtain credit in relation to certain aspects.
This is all backed up by excellent customer service support, and unlike some companies in the industry they make it easy to cancel you subscription within or after the free trial period.
Other companies also re-sell the credit reports provided by these Credit Reference Agencies and do not provide any additional benefits. The details of the offers available are listed in the table below:
| Free Period | Price | Rating | |
|---|---|---|---|
| Free Credit Reports Instantly | 10? | £29.99 / £19.99 | Avoid |
| CheckMyFile.com | Nil | £9.75 – £19.55 | Avoid |
| Quick Credit Score | Website Down | X | Avoid |
Comment – these websites are simply re-sellers of the 3 Credit Reference Agencies services without adding any extra value. Some of them have been known to make the cancellation process very difficult in order to collect as many monthly payments as possible.