Credit Score?!

southernscouser

Have read quite a few people talking about their credit score! How do you find this out? And do you have to pay?

Magentasue

http://www.checkmyfile.com/

It's free but don't know how accurate it is.

makingendsmeet_2

hI I PAID 12.95 TO GET MY CREDIT SCORE AND CREDIT REPORT ON-LINE FROM EQUIFAX .

file_wizzard

Similar thread here;

http://forums.moneysavingexpert.com/showthread.html?t=111903


I have copied my response below;

I think people are getting to hung up on their “credit score” , yes for each payment you make it will slightly improve, and yes once the default is gone it will improve greatly.

However the “credit score” that Credit Expert or Equifax Ect give you is nothing more than a very rough indication, all lenders “score” or evaluate applications in very different ways depending on the risk profiles they allocate to specific products, and even the time of year you make an application.

It is best not to read to much into these “national credit scores” as they are only mildly indicative of your real ability to obtain further credit