2014 Lender Lists:
Equifax @ www.equifax.co.uk
The www.equifax.co.uk website details their local operations and this is also where the report is managed. If you are interested in this service, then you can take it out for free for an initial 30 days. After this time a monthly service charge will be either £9.95 or a little higher at £14.95 (with a score). The multi-agency CheckMyFile promotes providing this CRA’s reporting and score with their price being £7.99 monthly. It wouldn’t make sense for this CRA to allow an independent company to deliver their complete data at a cheaper cost and so we will have to check up and confirm this.
There was a time when they had a selection of showcased products, but they now just stick with the two. The top selection available at £14.95 is just a few pence lower than CreditExpert that is priced at £14.99. They haven’t really had much of an answer to compete with their major rival over the years. Perhaps of greater concern to them would be the rise of CallCredit’s Noddle service that is completely free and so this has helped to even out the playing field further. The two major CRAs may have lost some traction, but most UK lenders do use their data that makes all the difference.