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Topic: Online credit check?  (Read 1074 times)

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Online credit check?
« on: October 15, 2008, 07:34:48 PM »
Can anyone recommend a free (or cheap) online service to check your credit here in the UK? There seem to be loads of services available, but many seem to offer the credit check as part of a free trial of a paid subscription (which I don't want). I just want to know my credit rating without having to sign up for anything. Thanks!
« Last Edit: October 15, 2008, 07:36:35 PM by darksquid »
Ok, so I'm smug.


Re: Online credit check?
« Reply #1 on: October 16, 2008, 09:54:40 AM »
Unfortunately, from my experience credit checks aren't the same as in the states where you're entitled to 1 free every year (without payment details).   :-\\\\  Experian seems to have a hand in pretty much everything over here, so I'd say go with their free trial, but be sure to cancel before you get charged.

Also, if you're a quidco member you get £7 cashback for signing up to the 1 month free trial.  I can see why they ask for you debit card, because anywhere I've gone to apply for credit they always ask for a debit card here (phone, loans etc.), as debit cards (even without photo ID) is considered a form of ID.  ::)  If you go through Quidco, think of it this way: at least the credit check's free if you forget to cancel (its £6.99 to view your credit history, but a further £5.95 to view your credit score).
« Last Edit: October 16, 2008, 10:04:26 AM by Teletabby! »


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Re: Online credit check?
« Reply #2 on: October 16, 2008, 10:08:38 AM »
You are allowed one free check every year.  I used this site -

http://www.annualcreditreport.co.uk/


Re: Online credit check?
« Reply #3 on: October 16, 2008, 10:46:01 AM »
Ah, cool.  Thanks for that (thread highjack over).   ;D


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Re: Online credit check?
« Reply #4 on: October 16, 2008, 11:01:33 AM »
thanks guys, I'll have a look.

Teletabby, a friend of mine at work is always going on about Quidco. I definitely need to check it out, I think!

Ok, so I'm smug.


Re: Online credit check?
« Reply #5 on: October 17, 2008, 11:36:28 PM »
LOL.  It really is worth looking into, especially if you're looking to buy something (like new phone contract, home phone / bills etc.)  I'd rather have cash back instead of Nectar points anyday.   ;)


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Re: Online credit check?
« Reply #6 on: October 21, 2008, 08:07:03 AM »
I just wanted to say I used hatsumomo's recommendation, www.annualcreditreport.co.uk, and it was very good. It didn't have enough information on me to check online immediately, but they posted me a password which arrived two days later. My husband's went through immediately, and the information was very thorough.

Thanks for the recommendation!
Ok, so I'm smug.


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