Dom
Member
Registered: 13th Sep 03
User status: Offline
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Just wanted to ask if there are any down sides to doing a credit check (signing up to Experian etc) on yourself? Someone was talking guff to me in the pub the other night about how it can effect your rating and just wanted to check. Also, does anyone know any good sites that will do credit checks (Experian is one)?
Chars 
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jas-tec
Member
Registered: 10th Oct 05
Location: oxford
User status: Offline
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try equifax
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adiohead
Member
Registered: 28th Sep 01
User status: Offline
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i used experian's 30day trial to sort out a mistake on my credit history.
was easy to use. just remember to cancel on time, otherwise you'll get charged.
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Edd
Member
Registered: 8th Nov 04
Location: Glasgow
User status: Offline
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multiple credit checks can affect your credit rating, yes
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Sam
Moderator
Premium Member
Registered: 24th Dec 99
Location: West Midlands
User status: Offline
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When you sign up to CreditExpert or Equifax, you don't do a credit check on yourself (you're not getting finance from yourself!) you are simply accessing your credit file.
You could access your credit file on a daily basis religiously all year round and it won't affect your credit rating whatsoever, yes there will be a 'footprint' of you accessing your credit file but it's NOT a credit search and only YOU and the credit reference agency can see that information, no-one else.
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John
Member
Registered: 30th Jun 03
User status: Offline
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You'd need to have loads of credit checks to have any sort of effect anyway, a couple showing up don't make any difference.
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Mase
Premium Member
Registered: 16th Sep 01
Location: Derbyshire
User status: Offline
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I was told when applying for loans recently that they consider 2 credit applications a month as 'normal' and as a result wouldn't have an impact on your credit score/report. However multiple declined credit applications cannot be a good thing surely....
Mase
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A2H GO
Member
Registered: 14th Sep 04
Location: Stoke
User status: Offline
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quote:
Originally posted by Mase
I was told when applying for loans recently that they consider 2 credit applications a month as 'normal' and as a result wouldn't have an impact on your credit score/report. However multiple declined credit applications cannot be a good thing surely....
I've said it before but credit search's(footprints) do not confirm whether you were succesful/declined for that particular application. Multiple applications within a short space of time is not good as it usually indicates you have been declined.
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