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    • OyzterShell
    • By OyzterShell 16th Sep 17, 9:27 AM
    • 17Posts
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    OyzterShell
    Credit Club getting less accurate
    • #1
    • 16th Sep 17, 9:27 AM
    Credit Club getting less accurate 16th Sep 17 at 9:27 AM
    Hello, when I first signed up for the MSE Credit Club the report I got back matched up with reality but it has become more divorced from my actual situation as my finances have improved.

    I think there are a few possible reasons for this

    1. my Tesco Bank products (two current accounts, two CC accounts) aren't seen by the Credit Club, bit of a problem there as I think a lot of people here have products there

    2. I am a low energy user and switch supplier accordingly, this, bizarrely gives me a bad score made worse by EBICo changing their suppliers

    3. the credit utilization is just plain wrong, possibly because of 1 above, Tesco have a very good view of my financial situation and are offering me more credit

    I'm not particularly bothered by the Credit Club report being inaccurate because the people that need to know are getting it right.

    I'm just letting you, MSE, know that it is getting less accurate over time rather than more in some cases.

    Otherwise, I happily recommend MSE to friends, et al.
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