Safe to get credit score check?

[DilysFiller]

Hi, 

 

2022 is the year for me to try and sort my finances, so I was wondering about getting a credit score check done. 

I don't want to be a Tin Hatter about this but is there any risk of old debtors suddenly chasing me of I get a credit check? I've heard horror stories but never sure if they are true. 

 

Also which company is the best for a free check. 

 

Thanks in advance 

[dx100uk]

Where are you getting this stupid old wives tale from that you should not? And hide from Debt?

 

its far better to always update your debt owners in writing  if you moved unless you want backoor ccj s appearing.

 

any debt that you last used or paid within say 7yrs presents a serious risk of a backdoor ccj you'll know nothing about until you try and apply for credit or a mortgage.

 

DX

[DilysFiller]

I'm not hiding from any debt, I never said that at all? 

 

I've lived in my house for many years so any outstanding debt has my current contact details but some historic ones I haven't heard from in years. I just wondered if it is likely I will suddenly get an influx of chasing old debts if I get a credit score check done. 

[theoldrouge]

It’s important that you actually do a free credit check so that you can correct any inaccuracies on your report 

It’s useful to check Experian 

Clear Score and Credit Karma as they take information from different sources (Experian, Equifax and TransUnion) But don’t sign up for any paid for add on 

[dx100uk]

3 hours ago, DilysFiller said:

I'm not hiding from any debt, I never said that at all? 

 

I've lived in my house for many years so any outstanding debt has my current contact details

 

How long there is your answer

[Bazooka Boo]

You can be certain checking your credit file will NOT alert any creditors, or DCA's they ain't that smart!

 

You can check them for free, DON'T get conned into paying £15 a month for YOUR information, at most pay £2 for a hard copy of your file from experian.

 

Clear score are good, unless you plan on making a major purchase or apply for work within certain  industries that require a credit check, then you would need to see what Experian and Equifax have on their systems.

 

It's always good to check and ensure that all of the information on there is accurate and up to date.

[fkofilee]

https://clubs.moneysavingexpert.com/creditclub/login 

 

Use that for Experian. 

You should be fine.