Free credit report

[tinkerbell23]

I have to get my debts in order :0(

Can i get a free credit report anywhere to see who and what i owe?

Do you recommend anyone please?

Need to sort myself out xx

[tinkerbell23]

I dont think this is possible.....but ideally id like to avoid putting in bank details :0/ or the adress i live at as its my parents xx

[The-HouseHusband]

the only way I know off doing a credit score check is by taking one of the "free" offers that you have to remember to cancel within a month, however you need card details and an address (where the card is registered) or they cannot be sure of who you are.

[Graham-W]

I don't think Equifax, Experian and others will actually tell you how much you owe to whom. You can get a free credit rating from them but it's up to you to know who you owe what to whom.
If you do apply for a credit check they'll need to know who you are to do it. Also, remember to cancel with the credit check companies before the free trial ends.

[237SJ]

You can get a statutory credit report for £2 from Experian or Equifax. You would have to put your addresses in for the last 5 years though.

[buildersmate]

I thought this was more the sort of service provided by debt counsellors, it's nought to do with the credit reference agencies.
Try CAB to put you in touch with a debt counsellor.

[boxtops]

We use Experian. You pay £2/£3, they send you a report - it doesn't show any amounts, only your credit report for each card/borrowing. If you live with your parents you'll have to show that address, that's something else they will need to know (Experian, not your parents).

[tinkerbell23]

Im having a problem getting an online one, because i dont have a bank account at present, and you have to put in bank acc details to confirm who you are ..... Hmmm

Thanks... Was trying to sort it tonight xx

[boxtops]

PS if you need to know how much you owe, do what we did - set up a spreadsheet and every time you get a statement, enter it up - that way you keep track each month on the outstanding balances.

[cathfromsaron]

you can see official debts and credit from sites for £1 BUT it will not show up debts to friends and poor budgeting!

have you thought of debt counselling and some sort of budgeting plan?

http://www.moneyexper...eb_-q0CFdQTfAodNSIVPw

cath x

[tinkerbell23]

Even if i just knew who i owe too itd b easier as ive lost track....

To be totally honest, i didnt really inform alot of people when i moved so i domt get mail boxy......yet!! X

[boxtops]

cath, have you got a link to any site where anyone can see all their debts?

[tinkerbell23]

Cath i spoke to a very very helpful advice service today but could only give them off the top of my head what i owe!! So i need to find out who and what so get the ball rolling and a solution x

[tinkerbell23]

You think i should call who i can remember and ask for a figure?

I think even if i with hold my number they can still see it though and hound me :0/ x

[boxtops]

Not that you need to give too much details, but is this storecards, credit cards? They'll have a customer services phone number on the back.

If they've been sending statements to an old address, my worry would be that your debt has been increased by charges for non-payment, and added interest....? You will have to know who you owe and how much, so you can consolidate the debt, perhaps with a loan, and pay it off.

Meanwhile, not paying will really not do your credit rating any good at all.

However, depending on how much it is - go to our bank and ask if they will make you a loan so you can pay them all off (the bank will probably say that the loan is conditional on your doing that!) but it can be a great deal cheaper than keep on paying card rates.

[boxtops]

no, go to Your bank, not ours!

[ummmm]

Tinks said she doesn't have an account.

[Graham-W]

LOL at Boxtops "go to our bank".

[boxtops]

Generous, innit?!

Sorry, I didn't see that bit of tinks' post. Where does your pay go into then, tinks? If a lender can see regular salary going in, they may still look more kindly on a loan request.

[tinkerbell23]

Box, it most definately will have increased i am positive of that. I havent made payments in quite some time and i wont get a loan..... My rating is at its worst and im not registered at an address just now to be honest....

I dont mind saying what, i appreciate the advice as i am trying to face it all head on just now and deal with it ....its already completely out of hand......not left myself with very much options x

[tinkerbell23]

Im just qualified from uni box, my uni bursary went to my mums account which i access....

As of december im unemployed and awaiting job seekers allowance till i get a job x