Is this even possible?!

bigdavecox90
bigdavecox90 Posts: 215 Forumite
in Credit file & ratings
So....I have an account with Experian Credit Expert.

I recently went through and updated all of the relevant information, which in turn made my credit score increase by 120 points.

My question being, I am now 1 point away from an 'excellent' score.

How on earth do I improve it any further just to gain that excellent status?!

Thanks guys :)
«1

Comments

  • [Deleted User]
    [Deleted User] Posts: 35,242 Forumite
    First Anniversary Photogenic Name Dropper First Post
    So...

    Your score is mostly fictional and entirely meaningless. It'll bounce around as and when it feels like it.

    Ignore it like a drunk sat next to you on a bus.
  • bigdavecox90
    bigdavecox90 Posts: 215 Forumite
    Deleted_User wrote: »
    So...

    Your score is mostly fictional and entirely meaningless. It'll bounce around as and when it feels like it.

    Ignore it like a drunk sat next to you on a bus.

    So the point in actually paying for a Credit Expert account is....?
  • molerat
    molerat Posts: 31,853 Forumite
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    Paying for it !!! There is no point paying for it at all. You can get it for free through the MSE Credit Club.
  • bigdavecox90
    bigdavecox90 Posts: 215 Forumite
    molerat wrote: »
    Paying for it !!! There is no point paying for it at all. You can get it for free through the MSE Credit Club.

    I pay a monthly subscription to Credit Expert currently, I'm guessing from what you've said this isn't needed then?

    Sorry, fairly new to me!
  • [Deleted User]
    [Deleted User] Posts: 35,242 Forumite
    First Anniversary Photogenic Name Dropper First Post
    bigdavecox90 wrote: »
    So the point in actually paying for a Credit Expert account is....?

    To help fund the CRAs.
  • DCFC79
    DCFC79 Posts: 40,598 Forumite
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    bigdavecox90 wrote: »
    I pay a monthly subscription to Credit Expert currently, I'm guessing from what you've said this isn't needed then?

    Sorry, fairly new to me!

    Id cancel that subscription asap and save yourself some money.
  • bigdavecox90
    bigdavecox90 Posts: 215 Forumite
    Thanks guys, I can register for the MSE Credit Club and get all of the same information for free?
  • DCFC79
    DCFC79 Posts: 40,598 Forumite
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    bigdavecox90 wrote: »
    Thanks guys, I can register for the MSE Credit Club and get all of the same information for free?

    Yes, that's why its there, can also get the same info from clearscore and Noddle, not every lender will use the same agency, some can use 2 or all 3 if they wish so its best to check all 3.
  • bigdavecox90
    bigdavecox90 Posts: 215 Forumite
    DCFC79 wrote: »
    Yes, that's why its there, can also get the same info from clearscore and Noddle, not every lender will use the same agency, some can use 2 or all 3 if they wish so its best to check all 3.

    Thank you very much for your advice here :)
  • RG2015
    RG2015 Posts: 5,904 Forumite
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    edited 7 July 2017 at 4:03PM
    bigdavecox90 wrote: »
    Thanks guys, I can register for the MSE Credit Club and get all of the same information for free?

    Yes, it's free but bear in mind that it is only updated once a month as are the other free services from Clearscore (Equifax data) and Noddle (CallCredit data).
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