Meet the Other Phone. Child-safe in minutes.

Meet the Other Phone.
Child-safe in minutes.

Buy now

Please or to access all these features

Money matters

Find financial and money-saving discussions including debt and pension chat on our Money forum. If you're looking for ways to make your money to go further, sign up to our Moneysaver emails here.

Experian subscription question

5 replies

Somethingthecatdraggedin7 · 26/04/2025 11:50

I have been paying for Experian after a utility I use was hacked and my data breeched.
I have locked my credit file to prevent anyone else trying to fraudulently take out credit in my name. (17 attempts were made when the data breech occurred!)
Experian is costing me £14.99 a month which seems a lot for no other benefit.
If I cancel my direct debit will my credit file remain locked?
Phoning them to speak to a human is impossible because their voice recognition software cannot differentiate between similar sounding letters so it can’t understand my correct postcode to let me past the bots.
Google not that helpful either.
Can anyone here tell me the answer please?
And are there any other disadvantages to cancelling?
I have no plan to take out any credit in the foreseeable future although I suppose when my phone finally becomes obsolete will need a new contract if that counts as credit?

OP posts:
Doggymummar · 26/04/2025 15:54

I don't know the answer to your question but I just keep saying human human let me talk to a human to get past these things

iremembersnappedandfarted · 26/04/2025 15:57

The firm whom held your data which was breached should be paying for your credit monitoring for a period following the breach. If you contact the Information Commissioners Office they should be able to help you.

IKnowAristotle · 26/04/2025 16:03

I would apply for cifas protective registration and then monitor my credit file using MSE free report.

I think it's also fair to ask the company responsible for the data breach to cover any costs.

Somethingthecatdraggedin7 · 26/04/2025 18:56

IKnowAristotle · 26/04/2025 16:03

I would apply for cifas protective registration and then monitor my credit file using MSE free report.

I think it's also fair to ask the company responsible for the data breach to cover any costs.

They paid for a year and I am part of a class action suing them.

OP posts:
Avidreader12 · 02/05/2025 08:57

Can’t answer you question but I have a free service to check my full credit report via Martin Lewis credit club no subscription involved. I just set a reminder to check it monthly.

New posts on this thread. Refresh page
Swipe left for the next trending thread