creditexpert.com

[squarebear]

I was looking at all the adverts for creditexpert.com which offer a 30 day trial to find out your credit rating. Why would you want to continue after 30 days? Surely, once you've found out your credit details you no longer need their service?

[sprayermick]

I know somebody who tried their 30 day "Free" trial, the snag is you have to give them your Credit/Debit card details (so they can check if you are genuine before they let you see your report so they say) then it is up to you to cancel your subscription before the 30 days are up, I assume they are hoping that most people will forget or couldn't be bothered.

[squarebear]

Wouldn't anyone with any sense cancel it as soon as they received their report though?

[sprayermick]

Well I guess anyone in their right mind would, but not having tried this myself I don't know if they somehow make it difficult to cancel once you have given your details, why don't you try it yourself and see what happens?

[squarebear]

To be honest, I don't see any point in knowing my credit rating. I am not planning on getting any loans for anything.

[sprayermick]

Same here Squarebear, but you can reckon that companies like this do not give out information for free there will be a catch somewhere along the line.

[squarebear]

True, unless they are running a service just to feel good about themselves ;-)

[sprayermick]

Running a "FREE" service, yeah dream on......

[chelle7272]

I think they continue to monitor you credit score, which is why you may want to retain their service. If you have a bad credit rating, and those who need to check usually do, you can make steps towards improving it and see the results via credit expert and similar companies.

[squarebear]

lol

[squarebear]

So those who have a bad credit score keep paying them and those who are ok, don't pay anything? Seems a bit unfair that those who need the money have to keep shelling out. I guiess that's business though.

Why couldn't someone approach Experian themselves though instead of going through this website?

[chelle7272]

Aren't they a branch of Experian?

[dzug2]

Isn't it to conitinue checking that no one is using your name to fraudulently get credit?

Not your credit rating as such?

[chelle7272]

Both I think

[squarebear]

This credit expert guy boasts how he has the higest score possible at 999, so I assumed it was checking your rating.

[bednobs]

well i have it. It monitors all of my credit agreements etc, lets me know what is happening monthly on them (whether i have paid them or not) if anyone takes out credit in my name it alerts me. I think you have to pay extra to get your "rating" I actually find it really helpful and look at it every month