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Credit Reports

Discussion in 'Off Topic' started by Shamil, Sep 15, 2011.

  1. Shamil

    Shamil Well-Known Member

    Has anyone viewed theirs?

    I've used both Experian (Credit Check) and Credit Call.
    Experian, for some reason, is not listing accurate information - not sure why, and Credit Call lists information more meaningful to me.

    It turns out, that for some odd reason, PayPal decided to do three consecutive checks on the same day for the same reason - someone has some explaining to do.
  2. Carlos

    Carlos Well-Known Member

    I'm not really sure about using credit reports online...I have always wanted to check my credit without burning my hand with regards to credit.
  3. Jake Bunce

    Jake Bunce XenForo Moderator Staff Member

    I don't recall ever looking at mine. But I don't use credit so my score doesn't matter.
    physicspirate likes this.
  4. Shamil

    Shamil Well-Known Member

    Checking it doesn't affect your score.
  5. Slavik

    Slavik XenForo Moderator Staff Member

    Unless you've ever defaulted on payments or been refused finance your credit score is of little value to know.
  6. Shamil

    Shamil Well-Known Member

    I've been refused a credit card :p
  7. Slavik

    Slavik XenForo Moderator Staff Member

    Credit cards are usually decided on your age vs income vs expenses, and the credit check only takes place after you get accepted.

    I imagine you got declined due to your age and probable lack of guaranteed income.
  8. Shamil

    Shamil Well-Known Member

    Hmm, probably, but they all did state something pertinent to my credit report - actually, Lloyds TSB said it was due to issues with my payment history.
  9. Slavik

    Slavik XenForo Moderator Staff Member

    Without knowing your exact finances, hard to say. Do you bank with lloyds? If so, do you have a regular income to the account (eg £1000 per month gtd) and any payments going out each month eg mobile phone contract?

    Banks like to see some sort of financial stability before giving you a credit card, and you will be given a peice of paper which says "subject to credit check" which occurs atfter you have signed to say you want one.
  10. glorify

    glorify Well-Known Member

    I work for JP Morgan Chase.

    The only credit report spot on the net that the FTC recognizes is annualcreditreport.com

    You are allowed one credit report from all three reporting agencies (Experian, Trans Union, and Equifax) free per year.

    What I do is run one every 4 months. So I do Trans Union, then 4 months later do Experian, and so on. All 3 usually differ a bit.

    This way you can basically view your records every 4 months.

    The report is free, but they do charge for your score if you want it.
    Shamil likes this.
  11. ChemicalKicks

    ChemicalKicks Well-Known Member

    You said in another thread that your bank had agreed funding for your company, why not borrow the money from the company purse/credit card?
  12. Carlos

    Carlos Well-Known Member

    I know, that's not what I meant, tho. I meant like there's a bunch of websites saying you can get free credit reports so I don't trust majority of them. I always think of security first before doing anything regarding personal info.
    They check your credit, and if rejected, they deduct your credit rating.. so it affects your overall credit standing, and then it hurts your chances of getting funding from banks like Shamil obviously did.

    The keyword here is caution. The point is not to ruin what you already have. Because if you check through your bank, and your bank knows that you don't have good credit, you lose the funding pronto.
  13. AdamD

    AdamD Well-Known Member

    I've used Experian....or was it Expedia? or Equifax? Heck if I can remember, back in December/January 2011, because my uncle was defaulting on the mortgage payment and lying about it
    I found out through the credit report/check heh
    My "very good" rating took a nose dive down to "Poor" thanks to him.
  14. Shamil

    Shamil Well-Known Member

    Isn't that illegal?

    EDIT: apparently it isn't. I could effectively loan money out to myself - though I'd have to declare this on forms.
  15. Shamil

    Shamil Well-Known Member

    Only Experian, I know are trustworthy - the banks etc here even recommend and use them.

    That's interesting - I thought the score was only influences by debts, CCJs etc.

    Very true.
  16. Slavik

    Slavik XenForo Moderator Staff Member

    The paperwork is a nightmare. Trust me, I did it once. Never again.
  17. Shamil

    Shamil Well-Known Member


    Expedia does holidays.

    Equifax is another credit agency :p

    :eek: Did you have a join account?
  18. Shamil

    Shamil Well-Known Member

    Looking through it, looks like the HMRC will absolutely love me.
  19. AdamD

    AdamD Well-Known Member

    Hehe yea, I think it was Equifax.
    Yea, we have a joint mortgage

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