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Experian??


Am I the only one that has problems with experian and the company that does their free credit checks?

Many years ago, I applied in good old fashioned writing to Experian for a credit check. Received in the post, all ok, end of story.

About 2 years ago, I thought I would get an update, I think I might have been remortgaging at the time, and thought that I'd just check it out. I applied online this time, they do this one month free business. I remember at the time that for some reason, my application wouldnt go through, it kept telling me that I had already applied and could I go and log on and get my information. When I went to log on, It was telling me that it didnt recognise my details. I then tried to use their phone application, it wouldnt accept my details because I have a flat number and a street number and for some reason, Experian (and many other companies) have problems with difficult addresses(!) and my details wouldnt go through over the phone. So after lots of

frustration and hair pulling, I thought f**k it, and left it.
Last week Barclays had the nerve to turn me down for a credit card. So I thought I would check out the credit check.
I made the application online, but not only are they telling me that my post code is xyz, when I know, that its abc (and it wont let me correct it because when I do, it just goes back to its own version), it again is telilng me that I need to log on to get the report. So I go and log on, then it tells me that my details are not recognised. So I press the button to say 'forgotten password' and it returns me to the bit where it says, details not recognised.
So, I go to their main website to pay 拢2 for a report. I apply, takes ages, changes my post code again, then tells me that there is a problem with the service. It has been telling me this for 3 days. I am so frustrated I could cry. The site has no way of contacting them by email, you can only write or phone their stupid transcription phone line to apply.

Experian are not the only credit reference company in the UK, Equifax is the other main and there are two others that have recently come on the scene. If your details are recorded incorrectly, the credit reference agency as to amend them. If they refuse, you can still get an entry recorded on your file saying why you don't agree with it. I'm no expert but this site is an excellent resource. Take some time looking around it....http://search.moneysavingexpert.com/sear...

Good luck.

I remember applying online, and it didnt work. Just like you the postal application I did years ago was with me in no time at all !

I cant remember the problem with the online application, but I decided that it was more trouble than it was worth so I didnt bother. I still get emails from them saying to apply for a credit check online but I just delete them.

Load of rubbish!!!

Best to phone the helpline, and see if you can order one on the phone!

Oooooops

http://en.wikipedia.org/wiki/Experian

snore snore....you want me to read all that?

Sorry Puddy.. I have never had any experience with a credit rating agency, I cant really help you.. Although there may be certain things that might effect it like if your registered to vote or not on the council's census listings.. I don't know how true this is...

(I'm not to a customer or too keen of Barclay's bank very much.. What about trying a different bank when you get the credit check sorted)

Best of luck with your phone call...

Yeah you need all 3 bureaus. Call the # below and use code RA and you can get all 3 bureaus pretty cheap.

Bast@rds it seems, sorry no experience on the matter apart from Barclay's bank stink! I would change banks to one that might give a dam, this way they will do their own checking and at least you can 'talk' to them over the counter.

You know yourself how good you are with money, so stuff those who rip you off for confirming it!

Ask for an overdraft, that will tell you a lot.. Good luck...

I had similar experience with Experian. I applied successfully for an online credit report. 6 months later I applied again to check my status, and their website wouldn't recognise my details!.
I wrote for a report and checked my details that way. A good job too, most of the information was incorrect, different spellings of my name,wrong addresses etc.
They said they would correct the mistakes. That was months ago.
They are an institutionally incompetent organisation staffed by imbeciles.
Try the website below for details of credit reference agencies and credit cards that suit your credit score.

Sorry, I can not help you; you should get a credit check just by anyone. You might want try a bank of yours to do a credit check report.

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