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Mr. Air Max 90

Credit checks

26 posts in this topic

Apparently I have bad credit. I'm only 20, the bank woman said it's probably previous residents blacklisting my address. Apparently there's some online thing you can do where you pay 2 pounds and you get a list of your debts or whatever. If there is anything (which I doubt there will be) I wanna pay it off straight.Anyone know the website?

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its called your credit reporttheres 3 agencies, Experian, Equifax and Call Creditmost use equifax and experian to search youhttp://www.experian.co.uk/http://www.equifax.co.uk/http://www.callcredit.co.uk/u can ask them to send you a report for £2 or u can sign up for instant reports u pay like £7 a month or sutin, bt with that u can see updates

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mycreditreport.co.uk will sign you up free for 30daysu need your card details though, and you can see your report free and just cancel before 30dayshaving bad credit at 20 isnt bad. you have bare time to fix it. unlike tulse's mumif u see that you have no outstanding credit or late payments or nuffin then u write or phone themand sort it out so they fix the address defaults.

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i found mycreditreport wasnt that goodi signed to it n it was reporting different sh*t to what the CRA's where sayin themselvesn it only updates once a month, which is fine i guess bt if someone uses ur details or sutin n opens a credit account in ur name u wnt know for a month

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what will writing them do different then? unless you wanna be writing them every week. having an online account means you can check sh*t regularly. plus they will tell you anytime someone runs a credit check on you

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i never said anything about writing to them

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its free on experian atm
how long does it take for you to register and find out?
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If you use a credit card (only Visa or Mastercard), it's instant.Then you can cancel the free trial straight away, or wait 30 days then cancel it.If you use a debit card, they post a code to you which you then use online. So you'll have to wait.

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P.S. They will not give you your credit score. That is separate and you'll have to pay a little extra (think it's around a fiver) to get that included.They will give you your "Credit Report". Which basically shows what credit lines you have open, if you've missed any payments, how much unused credit you have, how much you're using, and how much you could get.

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also if they cant verify ur identity straight away (like ur not on the elctoral register/they cant verify you from the credit accounts you have) ull have to wait for them to send out a verification code to you so that could take a while

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i have no credit history what so evaalways been a cash in hand type of guybut this will change in feb :Dgonna put mumsies bills in my namewatch the credit rating growww

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my credit rating is 88821 years old
ur having a fukkin laugh... thats Hexcellent
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think mine is about 480 age 20

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If you use a credit card (only Visa or Mastercard), it's instant.Then you can cancel the free trial straight away, or wait 30 days then cancel it.If you use a debit card, they post a code to you which you then use online. So you'll have to wait.
my debits a visa, will this be instant?/edit nope.... gotta wait
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Just got mine..... 873 @ 21bang bang

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Okish guide, but dont be thinking its that accurate

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Just got mine..... 873 @ 21bang bang
what sort of questions do they ask you when signing up to make sure that its you checking your own credit score?
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Just got mine..... 873 @ 21bang bang
what sort of questions do they ask you when signing up to make sure that its you checking your own credit score?
just address and card number
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which site did u lot just get ur credit score from?

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i just cancelled the direct debit so they stop teefin a dives from me every month

but you should call them up and cancel it

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