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enworb

New Free Credit Check

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Hello potential homeowners.

I saw an advertisemnt during a news report yesterday. https://www.annualcreditreport.com/ are offering immediate free credit checks.

Apparently 1/3 of credit checks done by the 2 previously biggest credit check companies were inacurate. A pain if you want to buy a home but have apparently do not have a high enough credit score. The new service offers better accuracy and much better security since you don't have to use Royal Mail.

I tried the website a minut ago but the page wasn't available. Maybe they were not prepared for so many inquiries. When it is up and running it will be a God send for many who normally wait up to a week for their credit rating, only to find they are wrong!

If any of you manage to get onto the site, can you please post a message, Thanks.

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Guest grumpy-old-man

I think you'll find its:

https://www.annualcreditreport.co.uk/

:)

It would also appear that Richard Catlin, the registrant for https://www.annualcreditreport.co.uk/

also owns this one:

http://www.checkmyfile.com/

which also offers a free check. I would check out any sites of this nature before parting with all your personal details, after all they then have everything they need to scam you ;)

Edited by grumpy-old-man

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I think you'll find its:

https://www.annualcreditreport.co.uk/

:)

Thanks Bomber. I was half asleep when I saw the ad yesterday :huh:

It would also appear that Richard Catlin, the registrant for https://www.annualcreditreport.co.uk/

also owns this one:

http://www.checkmyfile.com/

which also offers a free check. I would check out any sites of this nature before parting with all your personal details, after all they then have everything they need to scam you ;)

True, they could scam you and it is human to be cautious when giving so much personal details to a stranger..... but it must be safer than Royal Mail.

Personally I would trust that Richard Catlin has used necessary security checks when employing staff, unlike many security companies at uk airports :D

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I've met one of the founders of checkmyfile, can't remember his name though.

He was speaking at an Identity Management conference in London a couple of years back.

Had a chat, seemed like a good idea. They provide you with some kind of protection (or at least detection) against identity theft by notifying you of changes to your credit history.

Only problem with this new service is that every time they check your file it will leave a footprint, and if this happens too regularly then it could affect your credit rating.... read their T's and C's.

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Guest grumpy-old-man

I've met one of the founders of checkmyfile, can't remember his name though.

He was speaking at an Identity Management conference in London a couple of years back.

Had a chat, seemed like a good idea. They provide you with some kind of protection (or at least detection) against identity theft by notifying you of changes to your credit history.

Only problem with this new service is that every time they check your file it will leave a footprint, and if this happens too regularly then it could affect your credit rating.... read their T's and C's.

yes, good point. IIRC with experian & equifax it cost you about 30 points every time you get cc'd. people would wander around the high street shops looking for store cards & by the time they had finished their shop they fell below the required limit & could only get 3 cards that day :blink:

Although eveyone is told that there is not a points system ;)

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yes, good point. IIRC with experian & equifax it cost you about 30 points every time you get cc'd. people would wander around the high street shops looking for store cards & by the time they had finished their shop they fell below the required limit & could only get 3 cards that day :blink:

Although eveyone is told that there is not a points system ;)

Exactly. And their terms and conditions (which you have to accept) indemnify them against the negative effects on your credit record of use of their service.

But of course they do not point this out in big bold text on their homepage, only in the balck and white smallprint of the Ts and Cs.

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yes, good point. IIRC with experian & equifax it cost you about 30 points every time you get cc'd. people would wander around the high street shops looking for store cards & by the time they had finished their shop they fell below the required limit & could only get 3 cards that day :blink:

Although eveyone is told that there is not a points system ;)

There is a difference between checking what is on your file vs a credit check as these are flagged differently, the former shows a footprint which only you can see, cc companies etc don't see this info as it is treated as an unrecorded enquiry. Requesting quotes for insurance can result in a search of your file but does not affect your credit score.

Searched on: 03/08/2005

Searched by: ROYAL & SUN ALLIANCE INSURANCE PLC

Application type: Unrecorded Enquiry

Searched on: 02/03/2006

Searched by: CREDIT REPORTING AGENCY LTD

Application type: Unrecorded Enquiry

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  • 301 Brexit, House prices and Summer 2020

    1. 1. Including the effects Brexit, where do you think average UK house prices will be relative to now in June 2020?


      • down 5% +
      • down 2.5%
      • Even
      • up 2.5%
      • up 5%



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