Credit History Reports
| Last Update 05/03/2007 |
Understanding your credit history is important for rate-tarts and others who regularly apply for credit cards. To read more about how to use your credit history in support of your activities, please see our article. The table below shows you how to get your credit report from each of the Credit Reference Agencies and what options you have.
| CRA | Service | Cost | Access | Notes |
|---|---|---|---|---|
|
Experian | Free Trial | Free - 30 days |
Online
Anytime |
 30 day trial |
|
Experian
|
CreditExpert | £5.99 pm. |
Online
Anytime |
30 day cancellation |
|
Experian
|
statutory | £2 |
Posted
One off |
or £8 for 4pa or £20 for 12pa |
| equifax | Watch Gold | Free - 30 days |
Online
Anytime |
Cancel within 30 days, alerts within 24h. |
| equifax | Watch Gold | £69.99p.a. or £7.50p.m. |
Online
Anytime |
Can cancel within 30 days, can pay monthly (min 3 months) |
| equifax | statutory | £2 |
Posted
One off |
|
| equifax | credit report | £14.95 |
Online
One off |
Expensive for a one off |
| CallCredit | e-alerts | Free - 30 days |
Online
Anytime |
Must cancel within 30 days |
| CallCredit | e-alerts | £49.99p.a. |
Online
Anytime |
credit reports and email alerts
|
| CallCredit | unlimited | £8.95 quarterly |
Online
Anytime |
credit report without alerts |
| CallCredit | statutory | £2 |
Posted
One off |
|
| CallCredit | credit report | £9.95 |
Online
One off |
|
| Checkmyfile | 1 agency check | £6.95 |
Online
One off |
not a true CRA, but collates the data for you |
| Checkmyfile | 3 agency check | £16.95 |
Online
One off |
not a true CRA, but collates the data for you |
| Checkmyfile | 3 agency check | £14.95qtr |
Online
Anytime |
not a true CRA, but collates the data for you |
Table | Credit History |