this post was submitted on 04 Jan 2025
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Privacy

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No shame at all (lemmy.world)
submitted 1 month ago by bpev to c/privacy
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[–] [email protected] 7 points 1 month ago (2 children)

Experian are a credit reference agency. They give you a little score that lets other creditors know whether you’re a good risk for lending money too, getting a credit card, mortgage, etc.

[–] Treczoks 3 points 1 month ago (1 children)

And you actually have to pay to learn about your own credit rating?

[–] [email protected] 1 points 1 month ago

You can get a paper report for close to free still I believe. Equifax and Experian charge a monthly fee. I just use ClearScore which is free and shows all your credit outgoings, debts, account, defaults, county court judgments, and a score.

I imagine companies that use them to check potential customers pay a fee.

[–] berryjam 2 points 1 month ago

Also, you can freeze your credit so that nobody can open lines of credit in your name without unfreezing it