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    • murfulls92
    • By murfulls92 17th May 17, 11:41 AM
    • 9Posts
    • 0Thanks
    murfulls92
    No credit score but I've got a credit card and loan?
    • #1
    • 17th May 17, 11:41 AM
    No credit score but I've got a credit card and loan? 17th May 17 at 11:41 AM
    Hi,


    I've tried having a look around on the forum and on the internet but I haven't been able to have any luck.


    Basically....my partner has got a credit card that he uses regularly but always pays on time and has never missed a payment and a loan to which was only a small loan but again he always pays back the monthly repayments and has never missed a payment. (the loan is nearly paid off) as well as his mobile phone contract which he pays monthly and again has never missed a payment.


    He has recently signed up for the MSE credit club but it keeps saying 'it is taking longer than usual to find your credit score please try again later' or something along those lines.


    He then went onto Experian and on their credit report it states that 'there is not enough information to create a credit score'?


    I've got less things in credit than him yet I have a credit score?
    What information do they need to build up a credit score as he has had a credit card which he has used over years as well as his mobile phone?


    I'm just a little confused?


    Any help would be greatly appreciated thank you!
Page 1
    • MallyGirl
    • By MallyGirl 17th May 17, 11:46 AM
    • 1,761 Posts
    • 6,071 Thanks
    MallyGirl
    • #2
    • 17th May 17, 11:46 AM
    • #2
    • 17th May 17, 11:46 AM
    is he on the electoral role, has he had a lot of addresses?
    • zx81
    • By zx81 17th May 17, 11:48 AM
    • 12,497 Posts
    • 12,662 Thanks
    zx81
    • #3
    • 17th May 17, 11:48 AM
    • #3
    • 17th May 17, 11:48 AM
    Ignore the lack of credit score. It makes no difference.

    Are you able to view his file at all? Or can Experian not find him at all?

    Does he appear on the other CRAs!
    • murfulls92
    • By murfulls92 17th May 17, 11:50 AM
    • 9 Posts
    • 0 Thanks
    murfulls92
    • #4
    • 17th May 17, 11:50 AM
    • #4
    • 17th May 17, 11:50 AM
    Hi,


    Yes he is on the electoral roll and no he's only moved about 3 times his whole life?
    • murfulls92
    • By murfulls92 17th May 17, 11:51 AM
    • 9 Posts
    • 0 Thanks
    murfulls92
    • #5
    • 17th May 17, 11:51 AM
    • #5
    • 17th May 17, 11:51 AM
    No he has no information on the MSE credit report. We haven't paid Experian for the full report, which is the one for about £15 per month I think? That maybe why? im not sure....
    • Candyapple
    • By Candyapple 17th May 17, 12:20 PM
    • 2,170 Posts
    • 1,667 Thanks
    Candyapple
    • #6
    • 17th May 17, 12:20 PM
    • #6
    • 17th May 17, 12:20 PM
    Have you checked the other 2 CRAs?

    Call Credit: www.noddle.co.uk
    Equifax: www.clearscore.com

    It might just be that his credit card, loan and mobile phone contract might not be reported to Experian by the individual lenders. Every lender has a choice on which CRA they send the data back to.

    Don't spend a penny paying Experian for your credit report. The data will be the same as what is in the free one with MSE Club.

    Does your partner have a bank account? How long ago did he open the credit card and loan accounts?
    I'm a Board Guide on the Credit Cards, Loans, Credit Files & Ratings boards. I'm a volunteer to help the boards run smoothly, and I can move and merge threads there. Any views are mine and not the official line of moneysavingexpert.com
    • EachPenny
    • By EachPenny 17th May 17, 12:56 PM
    • 1,376 Posts
    • 1,408 Thanks
    EachPenny
    • #7
    • 17th May 17, 12:56 PM
    • #7
    • 17th May 17, 12:56 PM
    It might just be that his credit card, loan and mobile phone contract might not be reported to Experian by the individual lenders. Every lender has a choice on which CRA they send the data back to.
    Originally posted by Candyapple
    Also, very old products may not be on file at all, even if the lender does provide information to the CRA.

    If he has had his credit card (or phone) for a long time the CRA's may have no knowledge about it. My main credit card with my highest credit limit but least utilisation doesn't exist as far as the CRA's are concerned.
    "In the future, everyone will be rich for 15 minutes"
    • murfulls92
    • By murfulls92 17th May 17, 12:58 PM
    • 9 Posts
    • 0 Thanks
    murfulls92
    • #8
    • 17th May 17, 12:58 PM
    • #8
    • 17th May 17, 12:58 PM
    Hi,


    No ill get him to check them as well. Ok we'll hold of paying for it!
    Yes he's got a bank account with an overdraft & he's had the credit card for years now...not sure when he opened it but he uses it regularly & he got his loan last year and pays monthly off it. Its due to finish soon.


    Thank you
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