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Written on: 16/05/2011 by fencemaster (4 reviews written)
The credit expert service is awesome. it's an awesome example of how to initially sell a relatively useless service and - importantly - how to ensure your hapless customers keep paying for it month after month.
Credit Expert has great marketing and a superb website that is easy to use and secure. However, you'll find that the 'free trial' is worthless, you'll find Credit Expert has your credit card details (they HAD to have these details for YOUR SECURITY of course!) you'll find your credit… Read Full Review
Written on: 15/04/2011
Like many others I signed up for a free trial and cancelled it immediately by phone (lots of charges, they deliberately keep you talking). I was then charged a months membership - £14.99. I called Experian again (more charges) only to be told that they had no record of the payment. I have sent a email explaining and demanding a refund, but I fully expect to see further unauthorised payments. This is just robbery. DO NOT USE EXPERIAN!… Read Full Review
Written on: 11/04/2011
Disgraceful. They should not be allowed to operate. They did not deliver in spite of constant telephone calls which I think I was charged for. I had to sign up for something which I did not want in order to try and correct an incorrect credit record.I had an application for a mobile phone turned down based on an Experian report but I have an excellent credit rating elsewhere.I agree with the other negative reviews of Experian - Credit Expert… Read Full Review
Written on: 16/03/2011
If you sign up for the 30day free credit report a] Don't expect a credit score
and b] you can only cancel via phone call during which you'll no doubt have to tell the operator at least six times that you 'just wish to cancel the account' before it finally sinks in.
I also tried callcreditcheck.com - you actually get a score and can cancel via web-link - much less hassle… Read Full Review
Written on: 05/03/2011
I knew about the trial so I called them (a few times, also for confirmation) and cancelled the membership after 20days, but I was still being charged, so had to call the bank and got a refund. They sent me an email "sorry for leaving us" in which they mention that if you login, they'll renew the membership automatically, which I didn't. Next month, guess what...I'm charged again. This time I called the bank to cancel my card… Read Full Review
Written on: 02/03/2011
I DID NOT wish to purchase until I had seen the advertised free credit review - and I know that the approach was made earlier than the 18 Febrary shown on my c.c. statement. I duly received one, which told me nothing of value, and do not wish to buy the service. However, a c.c. statement lists a charge of £14.99 on 18 February, and I am waiting now to see whether unwanted monthly fees are going to be levied, as has been the experience of others.
How do I recover my money, and stop the monthly… Read Full Review
Written on: 19/02/2011
A very overpriced service. I had an error published by experian, who claimed that they were under no legal obligation to provide supprt to any claim that are made through there site, an opinion supported by the information commissioners office. The libel was removed after the threat of legal action. The problem is the knock on affect of the original lie, and this has worsened my credit file in general. They have sinced reused to acknowledge my mails, add a notice of correction or even… Read Full Review
Written on: 16/02/2011
Creditexpert (experian) is a facility which thrives on making incredible profits from peoples worry about their credit file. They now charge £14.99p/m for the service (gone up from £5.996.997.99) and it is exactly the same as getting your report through the post for £2 - apart from it being online. They give you a three-digit number as a credit score- but this does not mean anything since all companies use a different criteria for credit scoring. Buy your report through the post for £2 (don't… Read Full Review
Written on: 13/02/2011
When I subscribed to this they charged £5.95 a month, then without notice they increased it to 7.99.
They make it very simple to sign up on line but you can only cancel by phone... just don't expect them to answer the only tel number you can use to cancel!
Best avoid… Read Full Review
Written on: 11/02/2011
I signed up for the free credit trial. I called to cancel it and the agent (Paul) told me that a company called CCN had done a credit check on me. He asked me if I had applied for other credit. He sounded very concerned. He said he did not know who CCN were.
CCN are the name that Experian were formerly known as.
He was trying to convince me to have a report and commit to a service.
When I called back to speak to a manager - I asked the agent (Chris) if he know who CCN were. He said no… Read Full Review
Written on: 07/02/2011
Credit Reports are a nice idea. The scoring setup is there to define boundries between different levels of risk. To the lender that is. However, I don't know if it's just the borrowers that are let down by Experian, or the banks aswell.
Experian are absolutely USELESS. They're always out of date when it comes to reports and have an excuse for everything. They don't feel anwserable at all. I've paid for my score 6 times since September 2010, trying to understand how certain changes however… Read Full Review
Written on: 10/12/2010
I have been with Creditexpert for just under 2 years and their service is excellent. I've sorted several issues with them, and have found them courteous and knowledgeable. The below comments just seem like sour grapes from people who can't read. It's hardly small print what they put on the site. Here it is, just before you sign up:
'Why do we need your card details?
Your card is used to verify your identity. Don't worry, your card will NOT be charged for membership during your free 30 day… Read Full Review
Written on: 24/11/2010
WARNING!!! Don't go near CREDITEXPERT with a barge pole. Joined in May 2010 and didn't realise I'd be charged £7.99 per month if I failed to cancel - BECAUSE IT WAS CONCEALED SOMEWHERE OUT OF SIGHT. There should have been a banner style headline stating "WARNING - WE WILL TAKE £7.99 OFF YOU EVERY MONTH INTO THE FUTURE!!" Well, they removed 7 x £8 give or take from me and into their bloated coffers, but NO MORE. Complete charlatans and tricksters, dressed up respectably as a 'professional'… Read Full Review
Written on: 23/11/2010
This company is appalling and most reputable institutions are using them as their primary source of credit rating. As many people have noted the records they keep are not up to date, contain old credit cards, don't include main credit cards and therefore give a completely useless picture of your current credit status. In order to change anything, the lengths that you have to go to are ridiculous and the direct debit is just a reep off. Check out how much money the Directors have made by cashing… Read Full Review
Written on: 17/11/2010
If I could give company 0 stars then I would!
I signed up for a 'free' credit report which i planned to cancel within the month so I did not have to give them any money. Two days later I saw that 5.95 had been taken from my account. I know I made VERY sure I did not click the button that said 'pay 5.95 to see your credit score'
So I rang up and was told that I must have or I checked the box when i signed up that said 'view your credit score' If I did this it was not clear you had to pay. I said… Read Full Review
Written on: 05/11/2010
I too fell for the `FREE' credit report for myself & my wife. Having requested credit card details `to complete the report' I then find that they have taken 2 x payments of £7.99 from the card without my authority. These people are supposed to exist to protect consumers from devious and unscrupulous scams yet are trickers us into obtaining revenue bt small print deception. I have replied to their e-mail cancelling ant `agreement' and a refund on THREE occasions without ONR REPLY! DO NOT GO… Read Full Review
Written on: 23/10/2010
Me and my wife both used Credit expert's free service only to find a few months later we were being charged £6.99 a month for a free service we used once, cancelled by phone ok but now get almost daily E-mails trying to get us back into scheme including the occaisional one that suggests our rating may have changed (which it has not) and we should check it out, resulting in more payments to them!! even got one suggesting we applied for a loan which we have not, surely this is scare moungering… Read Full Review
Written on: 01/10/2010
Please have NOTHING to do with this company, whose opaque operating systems are bordering on immoral. Nasty, nasty pieces of work, with rude staff… Read Full Review
Written on: 31/08/2010
I find that having spoken to friends and relatives, that Experian is bad news, it also has the ability to influence banks, building societies, and I believe lead them down the wrong path, ofting resulting in anguish and concern by the person involved. They really shouldnt exist,with that much power, and banks and buildings societies etc should do their own reports on the people they are dealing with. Experian is much too dangerous… Read Full Review
Written on: 02/08/2010
Experian Credit report is a con it isn't free at all, you have to pay £5.95 to view the credit report. The only free information is the details regarding any credit agreements you currently have or creditors that will offer credit based on your financal status, (you must enter your bank details before this is available). However this information should be in the lenders small print and moneysupermarket will provide these details free of charge.Do not fall into the trap of paying the monthly… Read Full Review
As rated by real users
" Excellent " Read More
" Great Online Credit Service " Read More
" Totally useless. Avoid like the plague. " Read More
" CAN NOT TRUST INFORMATION " Read More
" Not easy getting a reply! " Read More