FAO: James Jones, Experian Rep

James,

I would like you to please explain something for the gang and I.

Credit Expert calculates my "Score" as 848 today.

I've been registered to vote at my current address for four months.
I have 44 accounts, 7 of which are active.
Six of these 44 accounts are satisfied defaults.
My oldest active account is two years old.
My oldest account is just under seven years old.
My credit utilization shows as 23%
Two credit searches in the last six months.

I also have a bankruptcy order from just under four years ago appearing under the public information section of my report.

I have not missed any payments on credit in nearly four years and have a perfect history for that time but in the two years prior my repayment history was awful. My credit report reflects that fact.


Credit Expert calculates my mother's "Score" as 847 today.

She has been on the ER at her current address for 23 years.
She has no defaults.
She has no public information.
She has 26 accounts, 8 of which are active.
Her oldest active account is 13 years old.
Her oldest account still on her report is 28 years old (TSB Trustcard)
She has no history of missed payments whatsoever.
She has no history of "Special indication markers" whatsoever.
Her credit utilization shows as 40%
Three credit searches in the last six months.


So can you please enlighten me, why, pray, is her "Score" lower than mine?

Oh, and check this out: (this is from my report, not mother's)



Notice something odd?

Credit Expert doesn't flag the presence of a discharged bankruptcy order as a negative factor.

:rotfl:

(If anyone wants to pass comment about the balances I owe, you're right, they are too high. I spent a lot of money on getting myself a driving license, car, and qualifications over the last 18 months, however I have now, as a result, secured a job paying £5,500 a year more and have just this week paid off, closed, and settled three accounts).