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Thread: Statutory Cardit Reports

  1. #1
    Full Member Big Sig's Avatar
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    Default Statutory Cardit Reports

    So has anyone ever sent off their £2 to see what it says?

    If you have you maybe able to help

    What does it actually tell you? Does it tell you who you have credit with and any notes they may have put on your file like Defaults, missed payments, bankruptcy etc?

    The reason I ask is my gf had a credit check done recently and it came back with a bankruptcy order! although she has never been made bankrupt or has any knowledge of this!

    Hopefully the report will tell her who it was so she can try to get it corrected. The free one is not an option as she does not have any credit cards etc.

    many thanks
    Now I need a turbo to keep up!

  2. #2
    Regular Member shaun260589's Avatar
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    never done the £2 one , done the free one through equifax with my cap one card and that listed all my credit , and that would mention defaults if there were any. , i also find it usefull paying extra and getting my rating

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    Full Member Big Sig's Avatar
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    Quote Originally Posted by shaun260589 View Post
    never done the £2 one , done the free one through equifax with my cap one card and that listed all my credit , and that would mention defaults if there were any. , i also find it usefull paying extra and getting my rating
    Read the full post mate, thats NOT an option.
    Now I need a turbo to keep up!

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    Regular Member Jezzy's Avatar
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    You don't need a credit card for the free credit report - you sign up for a subscription with equifax or whichever credit reference company is giving the offer, view the report, and cancel within 30 days, having paid nothing.

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    Regular Member shaun260589's Avatar
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    yeh..... but you could pay for one of those without having to wait for them to send you the details , equifax and experian both have online sites where you can view everything right now

  6. #6
    Full Member Big Sig's Avatar
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    Quote Originally Posted by Jezzy View Post
    You don't need a credit card for the free credit report - you sign up for a subscription with equifax or whichever credit reference company is giving the offer, view the report, and cancel within 30 days, having paid nothing.
    When I did mine they search for you via the details on a card?

    Quote Originally Posted by shaun260589 View Post
    yeh..... but you could pay for one of those without having to wait for them to send you the details , equifax and experian both have online sites where you can view everything right now
    But you still need to pay for it with a card in your own name.

    (goes off to check)
    Now I need a turbo to keep up!

  7. #7
    Full Member Big Sig's Avatar
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    I have just looked, both free reports require card details to check your identity.
    Now I need a turbo to keep up!

  8. #8
    Regular Member shaun260589's Avatar
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    you would need to pay using a debit card , if you don't have one then it would be best using the postal version.

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    Regular Member m8internet's Avatar
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    DO NOT pay online, just get the standard report by post, unless you need it in a hurry (which most people don't)

    The "full report" comes in three sections

    The first section is about the named person at that address
    It will show all current agreements, typically in age order, and any previous agreements up to 5 years old
    For each agreement it shows the payment terms and payments made, by way of summary
    example
    Bank of Vectra, £100 16, 01 01 2007
    11111111X1111T
    This is an agreement of £100 of 15 payments made on the 16th of each month, commencing 01 January 2001 and completed, although one payment was late or paid by other method (refer to document for details of letters)
    In the case of defaulting details of court orders, etc

    The second section lists all the other people at the address

    The third section lists any agreements from previous addresses

    If there are two or more people at an address, and especially if they have similar or same names, is to check if agreements have become merged
    If that is the case, apply for a disassociation

    A bankruptcy order is very difficult to miss!
    It requires the debtor is made aware of the court case, but need not be present at the hearing

  10. #10
    Regular Member Jezzy's Avatar
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    Quote Originally Posted by Big Sig View Post
    I have just looked, both free reports require card details to check your identity.
    Not even a debit card available...?

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