Creditexpert Reviews

I Wish Negative Stars Were Available

This week I had the misfortune of needing to contact the 3 Major agencies Experian Equifax and Transunion because something on their records prohibited me from opening a regular bank account Come to find out the source of my trouble was out-dated information on their records Let me say that Equifax had amazing information history and through that the gentleman there up-dated the information immediately professionally and courteously And yes in a most secure manner In mere moments all was done Not so with Experian Nor with Trasnsunion but that s a separate review At Experian the representative barely spoke English I felt I couldn t communicate sufficiently and the general tone from the other end of the line was apathetic at best Experian too has out-dated information and instead of having the capabilities or the desire so it sounded to confirm my identify and rectify their records as expeditiously as Equifax I was given a list of all sorts and variations of documentation that had to be sent to them Worse I was told it could take approximately 5 business days to up-date my records Seriously these people literally steal our information and then demand that WE prove to them our identity and correct data It is in my opinion a repulsive situation that any business actually gives them any credibility at all especially considering the now-known fact that they can t or won t keep their files current I ve no patience for this nonsense and would rather continue my financial situation as it is rather than be subjected to the likes of the experience with Experian I should think a direct apology to me is in order and an immediate rectification of the situation with-out further delay though I don t expect either

Horrible

Horrible I never gave them permission to report or give me a score

Is it only guarantee s in life credit worthiness death and taxes

True star rating -1 deficit score The whole Credit Bureau system is itself a low scorer based on their own standards Who rates the 3 bureaus Experian Equifax and Transunion Who grades these entities and ensures they themselves are operating at the same expectation levels they require us to meet throughout our lives Who again by their own standards would fail miserably Special emphasis on Equifax and their customer service alone 80 of time is sub-par at best and their services of which none of us request where they attempt to score us on an unofficial calculation of pluses and minuses that only they understand If at all Have you ever wondered why those great strides of multiple on time payments you make or that loan you paid off positives very slowly effect your score upwards but forget by mistake one payment on an account on an otherwise 99 paid on time record that same score immediately descends some 65 points That is not by accident Nevertheless this service is forced upon all of us where we are graded upon this unverified underperforming excessively confusing and profit based service throughout our lives Depending on that score we are effected greatly in one way or another This score where all three bureaus collectively make up a Fico score is severely flawed Whereby their biased and negative driven business practice makes it a positive for their bottom line when they can inflict that negative reading based on there contradicting standards of score calculations made upon us every 30 days This will eventually effect each and everyone of us at some point during our lifelong credit journey They start to profit when you incur a negative to that ever important credit score How At times when at some point or another we will suffer the consequences of a less then good credit score whereby we may seek out one of many options that benefit the profit producing score keepers Perhaps one of their credit consolidation or credit building profit inspired programs This should be outlawed If this must be a service put upon everyone of us regardless of whether we ask for it or not it should at least be headed by non profit organizations Who poses only a neutral interest in our position in our lifelong credit journey Otherwise at its core it is an unethical business working against all of us and at an egregious conflict of interest This does not serve our best interest A service in which plays such a major part in the quality of our lives we live through out our whole lifetime that also profits on the demise of ones misfortunes and preys on their inability to keep and maintain a high credit score It s a service mandate that again works against us in the worst way and at all costs literally This definitely needs reform as they are absolutely in no position to grade us given there own outrageous lack of plausible service standards within their own establishments Adjusted for inflation of the 3 credit bureaus services in an unspoken mandate Is it only guarantee s in life credit worthiness death and taxes Not hardly At least it shouldn t be

Absolutely rubbish

Absolutely rubbish No way to talk to anyone Phone menu runs you round in circles the disconnect you Total waste of time

Experian Credit Expert FRAUD they

Experian Credit Expert FRAUD they gave access to all my details to a fraudster using a bogus email address and quoting my credit card number I found this out 3 days later when Experian wrote to me to say they were taking money from my card Unfortunately the fraudster had used all their freely given information to empty my bank account Experian then sent me details on Fraud Action I suspected an Experian employee insider action had defrauded me but the police could not find enough detail I received 100 compensation from Experian after the ombudsman got involved Terrible company The Government should regulate these companies and ensure Data Protection for the general public I believe thankfully that Experian has improved their security as a result of frequent fraudulent activity

Just another Plan Perpetrated by the man to keep a brother down

Hello everyone This experience is all about building up your credit profile which I ve been working on for about three 3 years Well on the 12th on February 2021 my FICO score finally made a Good rating at Experian I was quite proud of my accomplishment On the 19th of February I received an alert that my one credit card had decreased significantly to 0 0 and that my FICO score had decreased by 8 points I could not understand how this could have happened seeing that all my accounts were on time credit usage below 5 no collections and all credit cards with a zero 0 balance I finally have a Good credit score with Experian and better scores with TransUnion and Equifax in the 700 range How could I lose 8 points after gaining 5 points on 02 12 21 and gaining 32 points on 01 30 21 this has besides myself after all my report is positive at this point how in Hell could I lose 8 points when nothing has come in to Experian as negative or no recent inquiries This is exactly why I do not pay for an Experian membership it s all about the money

This company makes it very hard to

This company makes it very hard to complain about wrong information on their site Once this is all over Virus the Ombudsman should close this company for criminal behaviour and prosecute all their Senior management

One star Only as there is no zero star option

What a total scam I signed up for 14 99 per month and eventually cancelled my subscription last December Since then the have continued to take 14 99 Even when I cancel the direct debit it just starts up again After contacting customer complaints on numerous occasions and jumping through every hoop they put in my way including has a member of your family used your card to open an account or have you opened two accounts all the way to supplying bank statements proving the debit transactions what do I receive Another poor excuse stating that they are still investigating Investigating what They confirmed my account was closed they have documented bank stamens that they have taken 14 99 There s nothing to investigate We have upto 8 weeks they said To do what This has been going on since December last year Take my advice Avoid avoid avoid If we held back money like this lot they wouldn t give us 8 weeks to sort it out No they d just put a black mark on your credit file No Better than online muggers