i tried to get an unsecured loan with my morgage company but for some reason since i got my mortgage my credit is not good enough to secure the loan…the man told me to check whats effecting my credit, so i tried to check it at experian but it wont let me as i dont hold a credit card! does anyone know a site where i can use solo.
uk only please. i tried experion and they wanted credit card details entered for the free 30day trail.
I challenged Experian on this free credit report because it is misleading. You apply only to find at the end you need a credit card and it is NOT free. Besides who the hell checks their credit file every 30 days or needs to?!!.
Write to the agencies enclosing a £2 postal order and ask for your file. They have 7 days to send it. If anything is wrong and you ask them to remove/correct it, they have 28 days to respond. If they fail you can claim compensation and report them to the Financial Ombudsmen.
A suggestion is you could apply for a prepaid credit card. In this day and age, they are essential. I have one for such situations. Go to www.mycashplus.co.uk and apply for a prepaid Mastercard. No credit checks are done.