Keeping an eye on your credit reports is a good idea, but how should you do it?
In 2021 there are more than seventeen different ways to check your credit record!
Contents
The myth of a single credit score
You don’t have “one credit score” or “one credit record”. You have three different ones.
This is because there are three main Credit Reference Agencies (CRAs) in Britain:
- Experian;
- Equifax; and
- TransUnion (used to be called Callcredit).
Each CRA has a record of your data which has been sent to them by the lender. Some lenders report to all three, but most lenders only report to one or two CRAs. About 50% of lenders only report to one CRA, for example, many payday lenders only report to TransUnion.
So a report on your Experian file can look very different from a report on your Equifax file. None of them are “better”, they are just reporting on information from different lenders.
Statutory Credit Reports – why simple is often best!
I have changed my mind on these. I used to recommend the “top three” reports listed below.
But in 2020 and 2021 I have seen people increasingly struggle with these reports and now I think that the statutory credit reports are very often better.
They are:
- free;
- real-time – you always see the latest information;
- clear – many of the other reports look fancy with colours and charts, but if you want to see what the default date is, or see all your accounts, closed as well as open, the statutory reports are simple and straightforward;
- easy to download – so they are easy to keep and easy to send on to someone else, eg the ombudsman if you have a complaint.
The downside they do not have your credit score on them.
The top 3 credit reports if you want your credit score – all free!
Tens of thousands of people are paying for expensive subscription services when they could get all the information they need for free.
If you want your credit score, use one of the following top three credit record checkers or, even better, all three to get the full picture:
- MSE’s Credit Club for Experian details,
- Clear Score for Equifax details and
- Credit Karma for TransUnion details.
They are all free, no sneaky first month free then a high charge if you forget to cancel. They are paid for by lenders paying to be included in the “you are eligible for” or “you could be eligible for” recommendations. This is just advertising, it’s not the cheapest credit you can get.
What do all the different reports give you?
| Score | Records | Tips | Match | Freq | Cost | ||
|---|---|---|---|---|---|---|---|
| Simple clear reports ( no score) | |||||||
| Experian statutory report | no | EX | no | no | daily | free | |
| Equifax statutory report | no | EQ | no | no | daily | free | |
| TransUnion statutory report | no | TU | no | no | daily | free | |
| score but no records | |||||||
| Free Experian account | EX | no | yes | yes | monthly | free | |
| score & records | |||||||
| Experian Credit Expert | EX | EX | yes | yes | daily | £14.99/month | |
| MSE's Credit Club | EX | EX | yes | yes | monthly | free | |
| Equifax Credit Report | EQ | EQ | yes | no | daily | £7.95/month | |
| Clear Score | EQ | EQ | yes | yes | monthly | free | |
| creditreport.co.uk | EQ | EQ | yes | no | monthly | £12.99/month | |
| Credibble | EQ | EQ | yes | yes | monthly | £7.99/month | |
| Credability | EQ | EQ | yes | ues | monthly | free | |
| Credit Karma | TU | TU | yes | yes | weekly | free | |
| My Credit Monitor | TU | TU | ? | ? | ? | not on website! | |
| Totally Money | TU | TU | yes | yes | monthly | free | |
| Credit Reports Matter | TU | TU | ? | no | monthly | £19.95/month | |
| UK Credit Ratings | TU | TU | yes | no | daily | £35.95/month | |
| Check My File | EX,EQ,TU | EX,EQ,TU | yes | yes | monthly | £14.99/month |
In that table:
EX = Experian; EQ = Equifax; TU = TransUnion/Callcredit.
Tips – rather vague suggestions about how you may be able to improve your credit score
Match – suggests what other loans or credit cards you may be approved for
Freq – is how often you can see a new report. Some services let you see the up to date situation each time you use them (“daily”). Others take a snapshot every 30 days (“monthly”).
? means that the company was unable or unwilling to answer my questions!
Never pay for a report!
There is no good reason to sign up for the services that charge you anymore.
You can get all the info you want, for free, every month from the other options. So don’t waste your money.
Real-time information may sound nice but it isn’t worth paying for:
- the statutory credit reports are all real-time and all free;
- credit ratings usually change fairly slowly. If you have closed an account, or started making payments to a new one, it takes a few weeks for the lender to update the records.
- if you have just got a credit builder card and you are hoping your credit score will improve, come back in 4-6 months!
A lot of the fee-charging services make a big thing about helping you with disputes about your credit record.
This is just marketing guff! All they do is send your complaint to the CRA. But the CRAs don’t investigate anything, they just forward the complaint to the lender, who then tells the CRA it’s accurate and nothing happens. So you have wasted a month or two by going this route.
If you have a problem with your credit record, you need to complain to the creditor directly. Then you can go to the Financial Ombudsman if the creditor refuses to correct the record.
Information through your banking app
In addition to these stand alone reports, some banking apps are providing credit record information.
These are obviously free and don’t need you to sign up for anything – good!
The main thing to be careful of is that they only report on one credit reference agency. For example Halifax and NatWest use TransUnion. That’s OK for a quick look each month, but if you are planning on getting a mortgage, then you need to check all three credit reference agencies.
Which should you use?
That depends on why you want to look. Here are some typical reasons, together with my suggestion for each situation.
See the details of your credit records
If you want to know the details of when defaults will disappear or clean up your credit record after bankruptcy or other forms of debt management, use the 3 statutory credit reports. These are free, clear and always up to date. If you only use one you may miss something important.
Apply for a loan or credit card
Go for MSE’s Credit Club. You have to give extra information about your income and dependents, but the extra “affordability” checks and being based on Experian data, which is used by more lenders, should make their recommendations more accurate.
But remember that the loans or cards you are offered may not be the cheapest you can get.
These are the lenders that are paying to be included in your report… this isn’t a review of all lenders to see which is cheapest for you, it’s just advertising!
Going to apply for a mortgage
Use the 3 statutory credit reports. Looking at everything from the credit details to who you are associated with. It’s good to do this at least six, preferably twelve months before you want to apply for a mortgage so there is time to sort out any errors you find.
Pay no attention to the mortgage eligibility recommendations on these reports. Talk to a mortgage broker, you may be able to get a much better not take a punt on a suggestion from one of these services.
Surprised to be declined for credit
Checking your credit records should be the first thing you do – use the 3 statutory credit reports. If they don’t show what the problem is, you need to see if your name is in a fraud database.
Send report to the Ombudsman for an affordability complaint
If you are asking for a refund for a payday loan or making some other sort of affordability complaint you need to send the Financial Ombudsman a copy of a credit record.
It’s best to send a TransUnion Statutory report. Most payday lenders only report to TransUnion. So this is the report that is most likely to show most of your credit history, better than sending FOS an Experian or ClearScore report. And the free Credit Karma report is difficult to download.
Why I haven’t included some reports…
I haven’t included various reports including Credit Hub, Credit Perfect, Credit Angel, Social Credit, Social-score, Scope People or Your Social Presence. There are reports that people are signed up automatically to free trials from some of these when they try to get a payday loan. The trial then expires and people find the money debited from their bank account. If this happens to you, try to get the money back from your bank, complain to the firm and if you can’t contact the firm, complain to the payday lender or broker.
Apart from the dodgy sign-up methods, they all charge a lot and I think you would be better to ditch them and use the very good free options.
If you know a report that’s not on my list, please mention it in a comment below!
Updated in April 2021
How much will my credit score change if…
The best way to clear credit card debt
What should the default date be?
Tony says
Hi Sara, is there any way of getting an old credit report. I defaulted on Vanquis card some years ago. This has now gone off my record and does not even show on closed accounts. This is making it difficult to prove I was on token payments to Vanquis at a time I took out a loan. FOS is saying if I could find this information then they would be more likely to uphold complaint as this debt would have shown up in a search. This was August 2017
Sara (Debt Camel) says
No.
Your bank statements could show what you paid? or any old emails with Vanquis?
David Harley says
How long does a incorrect default take to clear? Scottish Power applied a default in error and have agreed to remove it, but I’m currently applying for a mortgage and need to know how long this will still show on my record. Thanks
Sara (Debt Camel) says
Most firms update credit records once a month. So it can take up to a couple of months to go through, depending on how fast they move and when their next credit record update is. If you have an email from Scottish Power saying they will remove this, show this to your mortgage broker as it may help.
David Harley says
Thanks. I have asked for that. I received this, which isn’t as clear as I’d like.
“Thank you for your most recent email. We have sent off the request to have your credit default removed however we will not have a reply for the next few days. Once we have a reply confirming the next actions we will be back in touch. I hope this helps”
Second question. Once removed, will that immediately add 350 points to my score?
Side note: I have spent a good few hours on your site today and it’s been really helpful, so thank you!
Sara (Debt Camel) says
it sounds as though they aren’t quite sure how to do this :(
How much your credit score changes depends on what else if on there. But if you score was good apart from this then yes, it should jump.
But for a mortgage the actual level of the credit score matters less than what problems there are showing.
David Harley says
Thanks. I should be fine once this is clear. All loans and credit cards will be paid off with the sale of our current property and we should be left with a 20% deposit after all fees etc.
Sara (Debt Camel) says
ok so if you have levels of credit card utilisation your credit score may not get to be very good even without the default.
laura says
Hi a company that I have a CCJ against has another CCJ from someone else on their records. Is there a way to see who the other person is who has the CCJ against this company please?
Sara (Debt Camel) says
Not that I know of.
D HOGAN says
Can i get a report on a ltd Company to cover a CCJ
Sara (Debt Camel) says
you can check if a company has a CCJ here: https://www.trustonline.org.uk/
Carol says
Would the debtor not get a warning before getting the CCJ? How can a debtor not be aware that he has CCJ?
Sara (Debt Camel) says
The papers may have gone to an old address.
David says
Afternoon, trying to sign up to one of the credit report services but I cannot provide 6 years worth of addresses. My current address is fine, my previous address has since been demolished and is not correct (turned from a house to a block of flats), and my previous address to that doesn’t appear on the drop down list, even though it’s still there. What can I do in this situation?
Many thanks for your assistance, David
Sara (Debt Camel) says
Contact the report and ask them? Which report is it?
David says
Credit Club. I haven’t tried the others yet, but I anticipate similar problems. I’ll look for an email address or, worst case, a phone number to try and talk to them about setting up an account. Thank you :)
Sara (Debt Camel) says
ok, one thing is to try and get the statutory reports direct from the CRAs. Links in the article above.
Martin says
Hi, I have arrears on a loan and althogh I pay more than the monthly amount but my credit record shows these as missed payents. Is this correct as seems unfair to me as paying over contractual amount and paying on time.
Sara (Debt Camel) says
Missed payments are normally in months, so if you missed three months and then started making normal payments again the credit record would show 1,2,3,3,3…
If you start overpaying so you are only two months behind, this will then change to 1,2,3,3,3,2,2 etc
Jeanette says
I finished my IVA December 2019 and have only sent off copies of then to the three quoted in the the completion certification . I only held off as so much has happened this year. I applied and received a Capital one credit card to build up my credit rating. I have been denied by all others, do you have any idea how long it will take to re-build my credit rating?
Thank you in advance.
Sara (Debt Camel) says
Read https://debtcamel.co.uk/repair-credit-record-iva/ which says what to do.
Rachel says
How do check got ccj without paying for a fee just want to see.
Sara (Debt Camel) says
Any of the 3 statutory credit reports listed in the article above are free and will show CCJs.
Nigel says
One thing I don’t understand on credit file, is say you miss payments for 4 months on a loan , every month this should show missed, until you clear the arrears.
What if you then still pay your Monthley payments but don’t clear the arrears should this show Monthly payments made
What if you continue missing the payments should this show 2 miss payments to accurately reflect credit file one for arrers and one for miss payment.
Sara (Debt Camel) says
your credit record should record how many months in arrears you are. If you start the normal payments but don’t pay any more to the arrears, it will continue to sit at 4 months arrears. If you miss another month, the arrears should go to to 5 months.
James says
Hi sara,
Hope you have a wonderful new year when it comes. I noticed my credit file went down 245 points today after it was starting to increase well.
I am only using the free version just now and it doesn’t give much of a overview. Do you think its worthwhile paying a month’s full version in order to get a better view?
Sara (Debt Camel) says
Is this Experian you are looking at?
James says
Hi Sara,
Spot on it was experian that went down by 245 points. Any ideas why the drop and if I should pay the one of fee to see if there is any mistakes? I have previously used the free month so I can’t get it again.
I also took the free trial of equifax and they did not have me down as on the voters role so I have raised that with them as I have been on the voters role for 10 years but supposedly there is a issue with councils updating due to covid?
Sara (Debt Camel) says
There is no point in paying for Experian’s expensive service. Have a look at MSE’s Credit Club – that’s free and reports on Experian’s data. That is normally sufficient – if that doesn’t show the problem you can get the Experian Statutory Credit Report. Links in article above.
Not being on electoral roll is pretty minor, see https://debtcamel.co.uk/credit-score-change/. That can’t be the reason your Experian score has dropped that much.
James says
Thanks Sara
Sam says
Hi there , I am needing a snapshot of my credit report from a few years back, for a complaint to the ombudsman, I can’t seem to go that far back on my credit reports is there a way of asking for a past credit report , from a few years back??
Weatherman says
Hi Sam
First of all I’d ask the credit reference agencies. You can try all three (Experian, Equifax, Transunion), as they might keep the data in slightly different ways that makes it easier or harder for them to get a snapshot. I think you’re more likely to have success if the date’s within the last six years.
If you want this info because it’s about e.g. your situation at the time you applied for a loan, the lender might also have it. They should disclose relevant info like this to the Ombudsman anyway if they are investigating, but you could also make a Subject Access Request and see if that brings anything up: https://ico.org.uk/your-data-matters/your-right-to-get-copies-of-your-data/
Camila tre says
Hi, I requested a credit card in my bank and it has been declined because I didn’t pass my credit score. I don’t understand why because I have money in the bank and I never had any debts. I tried to access a credit report but they asked for 3 years in the UK and I have been living here for the last 2 years only. Is there any way I can solve this? I am very worried as I would like to request a mortgage in 1 year. any help is more than welcome. Thank you very much!!!!
Weatherman says
Hi Camila
Because you’ve not been in the UK for long, you currently have a ‘thin’ credit file. Lenders in other countries don’t share information with UK credit reference agencies, which is annoying! So you need to ‘build’ your credit report, because at the moment potential lenders don’t know much about you, or how likely you are to repay. You can also get your credit report from the country you used to live in, and show that to lenders, which might help.
There is helpful advice on how you can build your credit report here: https://www.experian.co.uk/consumer/guides/building-credit.html
Unfortunately you might only be able to get more expensive credit at first – if lenders don’t know much about you, they might see you as a ‘higher risk’ so charge more interest. If that happens, make sure you manage the credit card etc carefully.
Although you couldn’t access your credit report, you might be able to get a Statutory Credit Report even with only 2 years of UK address history. This is free, and if there are any mistakes it’s important that you tell the credit reference agency. Each credit reference agency has its own – Experian’s here: https://www.experian.co.uk/consumer/statutory-report.html
Sarah says
I’ve been trying to rebuild my credit ratings so thought it best to check all 3 as I read they can all hold slightly different information. When checking my equifax score I’ve noticed that virgin mobile have been reporting account delinquent each month since 2013. It reports the balance I owe as £516 although I’ve never moved home or changed emails and I’ve had no bills for this. I was wondering if there’s anything I can do about this? Should delinquent accounts not disappear from you credit report after 7 years? Can they still default this 8 years after the original delinquency date? I’m so worried :-(
Sara (Debt Camel) says
So you do not believe you owe this money?
Sarah says
I had a mobile phone with Virgin back in 2008 but I had no knowledge of owing an outstanding amount. I’ve not received any bills from Virgin and was shocked that this has been reported monthly and been having a negative affect on my credit file since 2013.
Weatherman says
Hi Sarah
Start by contacting Virgin and asking what on earth is going on!
If you think they’ve made a mistake, complain to them in writing. If they don’t respond in 8 weeks, or reject the complaint, you can take it to an Ombudsman (there are two that Virgin might be part of – they will tell you which one).
If you realise you do owe that money, they might not ever have put a default notice on your credit report even though it’s marked as delinquent. Ask them to do so – the Information Commissioner’s Office says that this should usually be once payments have been reduced or missed for 3-6 months. Because the default notice will be more than six years old, it will stop showing on your credit report.
Katy says
For some reason, I have different reports from different sites: there is no one site which holds all the information about my borrowing – is there anything I can do about this? I have always updated my addresses with various credit accounts, and am on the electoral roll, but for some reason, my borrowing doesn’t show up anywhere correctly – even at Transunion. Is there any way to resolve this? I have tried writing to the companies trying to get this resolved, but it’s got me nowhere: they say to go on the electoral roll (I am, and have been for 30 years), and make sure my account details are all registered at the same address (they are) – but for some reason, things still aren’t connecting up.
It’s causing me issues: it has led to a CCJ being issued to me at an old address (even though lender had been informed of move, of new address, and the electoral roll updated) and as I didn’t find out about the CCJ for some months, and then it took me several further months to pay it in full, there’s nothing I can do to resolve this now- but I’d like it not to happen in the future, if possible: and also, of course, to have my credit records all in the same place, up to date, and the “good” things I am doing (like making monthly payments) recorded also.
Thanks so much for any suggestions – as I say, I know it won’t improve things until the CCJ finally drops off, but a) I don’t want any further issues and b) if I resolve it now, I won’t need to worry about it again!
Sara (Debt Camel) says
There is nothing you can do to get all your lenders to report to the same credit reference agency.
it has led to a CCJ being issued to me at an old address (even though lender had been informed of move, of new address, and the electoral roll updated)
who is the lender?
Katy says
It was originally JD Williams, who outsourced to Lowells (I’d also be let them know of two further changes of address). I emailed them to complain (Lowells Solicitors) and they claim this is standard tracing practice and they won’t do anything to correct it as a result.
Whilst I can accept address two could have shown up (despite removing myself from the electoral roll when I moved, and updating bank and credit cards, it’s still showing, two years later, at my current address with Experian – and tells me that I could improve my score by being on the electoral roll: even though I have been since I moved into my current address, sigh, two and a half years ago), they sent all the paperwork and summons to address one, despite having subsequently corresponded with me at address two. (It still wouldn’t have reached me, but it seems odd not to use the most recent address you have) They also only admit to receiving letters sent signed for, another issue – as I say, JD Williams and Lowells were kept informed of everyone change.
JD says not their responsibility, but won’t say whether the debt was sold, Lowells Solicitor won’t clarify their relationship with Lowells,, but tell me they’ll write to me themselves (haven’t so far) – and my address is still incorrect on Experian, despite it having records of one credit card registered to my current address, but apparently no way to fix this.
Anyway, thank you for clarifying for me that there’s nothing I can do to get them to correct the address issue: it’s appreciated!
If I can ever summon up the emotional energy, I will complain about Lowells solicitors to the SRA, I suppose, not thar it will solve the anything.
I am sure I’m not the only one, but I find it deeply distressing to revisit the debt years. But thank you, thank you, thank you for your support and help with this site – it helped me realise I am not alone.
David A says
Hello. I may have asked about this before but I’m having trouble with a Likely Loan from 2017 which I’m currently repaying at reduced rates due to financial difficulties experienced since 2018.
I queried why their comments on my credit report show “Late Payment”, when I am paying regularly and there was a period of at least 6 months initially where I didn’t make a payment at all until I made this arrangement with them. Id expect the credit report to show either defaulted or arrangement to pay but this is their response…
“Thank you for the customer query. Reviewing the account I can confirm the customer has been making regular payments, however these payments are reduced payments. This means the account is showing in arrears and these arrears will show as non-payments or late payments on the credit file. No further action required.”
Is this right please?
Sara (Debt Camel) says
If there was a period of more than 6 months when you did not make any payments, a default should have been added.
I queried why their comments on my credit report show “Late Payment”,
Did you ask Likely Loans or the credit reference agency?
Do you have other problem debts as well as this one?
David A says
This was via an agency. I have other debts that are defaulted under the same circumstances, yes.
Sara (Debt Camel) says
Then I suggest you complain directly to Likely Loans.
JR says
Hi,
Does anyone have email addresses for all three credit reference agencies? I’ve a few disputes/complaints ongoing and I want to see about getting them suppressed ASAP due to a mortgage application very soon.
Thanks!
Sara (Debt Camel) says
See https://debtcamel.co.uk/correct-credit-records-lender-administration/ which explains how to do this.
BUT this will only work when the lender is not responding to the CRA eg it is late on in administration or the lender is liquidated. It won’t work just because you are disputing the debt I am afraid.
Tasha says
Hello.
I wrote to TransUnion last month about some errors on my credit file in relation to old pay day loans from elevate and wage day advance. I had this response today:
‘TransUnion is unable to amend an entry without the permission of the organisation responsible for supplying it and as a result, we cannot assist you further with this dispute. We would advise you to contact Elevate Credit International Limited directly in order to discuss this matter.
The disputed entry will remain suppressed from your credit report; however, please bear in mind that Elevate Credit International Limited can remove the suppression at any time.’
What does suppression on my credit report mean? Will it positively impact my credit file?
Thanks
Sara (Debt Camel) says
Suppression means no lenders will be able to see the information – so far as I can tell it is as good as getting them deleted.
Elevate Credit has said it will not deal with CRAs any further, so that is not a concern.
Tasha says
Great. Ive had 4 emails altogether this morning from TransUnion in relation to Elevate (x2), Lending Stream and Wageday so in theory that should mean they are all ‘hidden’ eventually?
Sara (Debt Camel) says
Lending Stream is NOT in administration and will respond to the CRAs.
Tasha says
Will I be able to still see these suppressed records on my credit file?
Sara (Debt Camel) says
I don’t know.
I will ask someone who has done this.
Christina says
Hiya, I’m a real credit fanatic in terms of checking my scores, quite fascinated by it ( no life :). But there a few more decent ones that I’ve discovered. Some do have free 30 days and then charge but I find that depending on your requirements they are useful because they do give some really handy tips on credit education.
They are: credibble uses data from Equifax although I think they also calculate a bit of their own input because the score disparity between them and say clearscore is a good few hundred points.
Then there is myukcreditreport which uses TransUnion and really focus on credit education rather than being a broker. Then there is credAbility which uses Equifax and is definitely a broker but free. Then you have credit scores through your banking app. Halifax credit checker, NatWest credit score and Barclaycard credit too. These are free on their internet banking app.
Side note:
I don’t think creditwise exist any more and totally money I think give a real time update too.
Sara (Debt Camel) says
Thank you!
I have added Credibble and credAbility.
myukcreditreport seems to be just different branding for UK Credit Ratings – and they are an outrageous amount to pay!
Tasha says
Thanks for this, really useful. Where would the Halifax credit checker be on the app? I have looked today but can’t seem to find it anywhere on my app.
Christina says
Hey Tasha,
If you go to https://www.halifaxcreditchecker.co.uk/
Then you can register for free and Halifax will send you any updates and monthly links to log on to check your report.
NatWest : the credit score option is when you click on the little figure of a person top right and you will see it there
Barclaycard : seem to have discontinued their credit score option- apologies.
Thanks
Christina says
Over all I agree with Sara, the most effective way to know a full picture of your credits financial health is to access the statutory report. And even to go as far as to print it off and map out a monthly tally of progress towards your optimum credit position.
An example is you can visually see the lender then if anything is incorrect then wrote down the lenders details on that area of your report and put notes about on going disputes and any outcomes or further action required until you get the final outcome desirable or not, then should there be on going action put reminders in your phone about dates where items should actually change even as far as a few years into the future in the case of CCj’s etc because you’ll notice that your score will alter ( should everything be maintained) quite dramatically at certain mile stones when you were least expecting it….
The aim is to understand that nothing on your report is irreversible but understanding it will give you a sense of confidence when you are ready to make financial commitments that help you to progress
Access to finance can be a hope or a hindrance ( if not understood) but it shouldn’t be daunting, so use the free resources until you feel as though things make sense and should you need to take it seriously then map it out ……using the other resources listed here……
Christina says
@Sara have you any threads on the notion of AI and algorithms of Credit applications?
I think it would be interesting to address the possibility that companies could actually be setting their algorithms to actually exclude/ include thier “ideal” client. I understand the widely accepted terms that companies have a risk factor to consider and it’s Thier “money” that they are lending but it’s also interesting that these AI settings are actually programmed to discriminate/ cherry pick. And this should be challenged.
Sara (Debt Camel) says
See https://debtcamel.co.uk/credit-records-scores-fit-for-purpose/
Also I am just writing a new article which you may be interested in. Look out for it!
James says
Hello,
I’m having trouble locating the dates of when my defaults were registered on Clear Score’s Exuifax and sites that use Experian – CreditKarma’s transunion seems to be the easiest to locate a defaulted date for an account.
I’m sure I’ve seen it mentioned that default dates can differ across different record checkers, with the majority of mine scheduled to drop off within a year on TransUnion, I’m keen to see what the others say but aren’t too helpful.
Any comments or suggestions would be much appreciated,
Thanks
Sara (Debt Camel) says
I find the statutory credit reports are the clearest to see which accounts are defaulted and the default dates.