Nearly four weeks ago out of interest took out free subscription. No problems accessing credit report but as I expected there were no problems. Have just cancelled and, after reading various reviews, expected to be kept waiting on the phone. No such problem, whole process took less than five minutes. Yes, was asked why I am leaving and offered reduced subscription and other offers but no undue pressure.
I wasted way too much time on this company with no end product. I feel violated! Equifax made it ridiculously difficult to get a credit report, every corner turned yielded another one. You'll have to submit so much information about yourself, and that includes bank details - gave me a headache. After what i thought was the application complete, i was THEN directed to phone a premium rate number to confirm. (5p/min) The cheek of it. Finally 20 minutes later i get to speak with customer service, the woman seemed pleasant enough, but had a foreign accent and wasn't always clearly heard. She told me i had to submit a driving licence or passport in order to activate my account. She gave me the web address, once there i couldn't even log into the account that would allow me to submit the documents :S I had no other alternative than to phone the premium rate number again to see why i couldn't proceed. At this point i had already decided i would no longer finish off the process, and resigned to the fact i had lost time and money in trying to secure a credit report. So i phone back up and it's the same woman. I explain the situation and she says it will be possible to do so now if i try again. I refused to do so. I had a mini rant at why it was so hard to get a credit report and she actually sympathised, which goes to show that this is no doubt a familiar problem she deals with everyday. Anyway i was worried about money coming out of my account after the 30 free trial was up, but she confirmed that because the account had not been activated no money would be taken. I still have my doubts about this and will monitor my account closely in the next few months.
The overall experience in dealing with Equifax was teriible. How they remain in business is a mystery to me. AVOID at all costs.
They couldn't have made it more difficult to get a £2 statutory credit report... even after finding it hidden at the bottom of their website.
Please be aware that you are entitled to a statutory credit report for £2 rather than their expensive products... if you can waste the time to get it sent out.
I tried to get a credit report from equifax a week ago taking advantage of their free 'months trial'.
It's a scam.
I went through their lengthy online application process, being thorough to make sure everything was accurate and the dates of all the places I'd lived were accurate, to be informed that my application could not be completed and I had to complete it on the phone (after having already giving my card details for the product in the first stage).
On the phone, after a lengthy and expensive call, where she interrogated me and told me she needed to verify my identity, she said the answers I gave (which were correct) didn't match the ones she had on file so couldn't help me any further.
I have submitted to them electronically my driving licence, letters from my bank, etc. and at every turn all I get is 'sorry we can't help'. In the meantime I can't login to the account I set up (it just prompts me to call customer service to finish setup) where my details were registered and opted to pay for the credit report service after the months free trial. I still have two weeks to ensure that no payments are deducted so that's what I'm spending my time on now.
They are basically running a scam operation to run it at the lowest possible cost where customer service don't help at all, hoping that suckers like me won't read up on them before taking the plunge. Looking online it seems most other review sites give them one or two stars as well. Just avoid these like the plague.
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