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[cleggy]

I got a credit report from Experian and the amount of information they have on you is frightening I though banks were supposed to be confidential, how wrong was I.

It lists your electoral roll information, current account:- monthly balance information, loan information:- monthly payments made and balances, credit card details:- limit, outstanding balance, monthly amount paid and any cash advances, Virgin Media:- monthly payments, all searches you have made for insurance of any kind, other bank accounts etc. and finally any other addresses you are associated with ( which in my case was wrong). The details go back years.

I personally was surprised and disgusted that this information is available to anyone wanting to pay for it and those who put details up there. What the freak  has Virgin Media got to disclose my monthly payments, what freakin' right have the comparison sites got to disclose what I was looking for and with which company. What right has my bank got to disclose my financial dealing. All very big brother to me and it shouldn't be allowed

I accept that a credit check is required before getting credit, like the Electoral Roll to confirm where you live, Lord Chancellors and County Court Judgements against the individual or the property and proof of salary. The rest is a disgrace

I recommend you get your Credit Report and check it, you will be amazed at the information they have. Whatever happened to the data protection act  

[Stemo]

Been looking at mine online for years. It's good that you can check, in one place, that everything is in order and that no one has been trying to open credit accounts in your name.
You've just got to accept that it's all out there and there's nowt you can do about it. The data protection act is used much the same as health and safety. It's just words that officials can spout when they don't want to tell you anything.
The local council can also access your bank account details in certain circumstances, so best keep up with your council tax payments. 

[pscocoa]

How much do you pay for these reports?

[Stemo]

How much do you pay for these reports?

A one-off from any of the three big agencies (Experian, Eqifax or Call Credit), I believe is £2. I pay £9.99 a month to Experian. I can check my report anytime, along with a credit score and email alerts for any changes to my report (new accounts, searches etc.) I believe that has increased to £14.99 a month for new customers.

[Kate]

Yes it's very Big Brother, I agree.

It's a bit scary really.

[Sir Tigger KC]

Yes it's very Big Brother, I agree.

It's a bit scary really.

Yes I'm too big a chicken to look at mine!   

[Vamps]

How much do you pay for these reports?

A one-off from any of the three big agencies (Experian, Eqifax or Call Credit), I believe is £2. I pay £9.99 a month to Experian. I can check my report anytime, along with a credit score and email alerts for any changes to my report (new accounts, searches etc.) I believe that has increased to £14.99 a month for new customers.

Ditto.............   It's amazing how many insurance companies run a check when you are on / have been on a comparison website, personally I don't think they should unless you are buying on their pay monthly scheme, but hey ho.............

[omegod]

How much do you pay for these reports?

A one-off from any of the three big agencies (Experian, Eqifax or Call Credit), I believe is £2. I pay £9.99 a month to Experian. I can check my report anytime, along with a credit score and email alerts for any changes to my report (new accounts, searches etc.) I believe that has increased to £14.99 a month for new customers.

Ditto.............   It's amazing how many insurance companies run a check when you are on / have been on a comparison website, personally I don't think they should unless you are buying on their pay monthly scheme, but hey ho.............

But thats not credit as such is it, you stop paying...they stop insuring! it's a service not a tangible asset so why credit check??

[Stemo]

How much do you pay for these reports?

A one-off from any of the three big agencies (Experian, Eqifax or Call Credit), I believe is £2. I pay £9.99 a month to Experian. I can check my report anytime, along with a credit score and email alerts for any changes to my report (new accounts, searches etc.) I believe that has increased to £14.99 a month for new customers.

Ditto.............   It's amazing how many insurance companies run a check when you are on / have been on a comparison website, personally I don't think they should unless you are buying on their pay monthly scheme, but hey ho.............

But thats not credit as such is it, you stop paying...they stop insuring! it's a service not a tangible asset so why credit check??

If you pay your insurance by monthly installments, it is a credit agreement covered by the consumer credit act of 1974. You should receive a statement at the end of the year showing payments and dates so, yes, it is treated as credit. Same with your mobile phone, which also appears on your credit report.

[Vamps]

How much do you pay for these reports?

A one-off from any of the three big agencies (Experian, Eqifax or Call Credit), I believe is £2. I pay £9.99 a month to Experian. I can check my report anytime, along with a credit score and email alerts for any changes to my report (new accounts, searches etc.) I believe that has increased to £14.99 a month for new customers.

Ditto.............   It's amazing how many insurance companies run a check when you are on / have been on a comparison website, personally I don't think they should unless you are buying on their pay monthly scheme, but hey ho.............

But thats not credit as such is it, you stop paying...they stop insuring! it's a service not a tangible asset so why credit check??

If you pay your insurance by monthly installments, it is a credit agreement covered by the consumer credit act of 1974. You should receive a statement at the end of the year showing payments and dates so, yes, it is treated as credit. Same with your mobile phone, which also appears on your credit report.

And, thinking about it further, while on the site searching, they do no know how you are going to pay, and many offer the option to pay by installment............. .

[Stemo]

I don't know how much companies pay to look at potential customers reports, but I'll bet it's not much. They like to know who they are dealing with.

[Andy B]

I've never done a credit check   

[Stemo]

I've never done a credit check   

£2......online......you know you want to.......

[Vamps]

I've never done a credit check 

£2......online......you know you want to.......

Bet you can't get higher than mine..............

[Andy B]

I've never done a credit check 

£2......online......you know you want to.......

Bet you can't get higher than mine..............

In what respect?  Get more credit or more marks against you?  I do look through comparison sites when car insurance is due, but have returned to my current insurer & paid in one go over the passed few years. I owe a few quid to Tesco for two of the cars outside but other than that everything else is either paid for or is paid month by month eg general monthly bills. Years ago it wasn't uncommon for there to be month left at the end of the money .... but not now.  Unless someone has oppsed up, I doubt I have much to worry about.