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?