New MSE Credit Checker Tool - Please help us test if you have 5 mins

Jennifer_Jane

Yes, very easy and gave expected result.
Jen
x

greatsite_2

Nice and easy to use,

trudij

worked well for me - with both my details and my friends....

fab addition !!

max2002ad

Loved the tool fascinating how the smallest change can make a big difference. Very Very quick looks like it is ready to roll!!

seaglimpses

Worked fine for me, I agree with the earlier posts about giving some idea as to how to improve your score based on the answers you have given. I also agree that household income and home ownership may be beneficial options.


As an earlier post said, why do you get a lower rating if you apply for things too closely together? I am currently giving our finances a MoneySavingExpert make-over and feel I have to be conscious to spread out applications for things to improve my position!! I suppose it is a case of statistics.

millymollymandy2K7

Great tool, easy to use and gave result I was expecting.

Glitzkiss

Nixxx wrote: »

Question 4

How many credit or store cards do you actually have – whether you use them or not?

I have 3.

The only possible answers are

0
1-2
More than 3

Otherwise its fab!

Like Nixxx I was a bit bemused by this one. Surely the more accurate 3rd option would be "3 or more"

Secret_Lady

Worked fine for me, I tried a couple of times with different info. Agree that home owner or renter is something I thought made a difference too.

smithja

I think adding in the total of all of the credit limits you have plus the total of outstanding balances you have against those values is a neccessity as I beleive Yorkshireboy said. I think it said it was trying to mimic Experian credit scoring I tried it and got a score of average and on the last Experian score I bought I was an excellent and there has only been a small change,i.e. I have applied for 2 cards, but I suppose that could be enough. It is in agreement with Equifax I have never scored higher than average with them and their value is consistent whereas Experian's is much more variable (from information I have gathered from other people).

I would be much more happy to use this tool than pay for a credit score, which I think some people might have forgotten is part of the object.

newmee

worked fine for me thanks and no errors when I started again!