Credit Record Farce ( Stuck in the Middle)

blacksta

I have recently requested for my credit score form experian and equifax. Experian claims my credit score is very poor while Equifax claims i have very good score. I have not missed any payments in 2years and 1 months. No defaults. I have settled accounts )a) One Store card and two Credit cards. I have not in any financially overcommited. I am now stuck in the middle as i dont know who 2 believe. Could it just be that Credit score from the 3 CRA is just a myth and just a way raising revenue from customers.

fatboyonadiet

It could just be that you have a poor score (in that you have had a quiet credit history) but not a bad rating in anyway, experian and equifax may have monitored your credit history differently and in this case experian might not know all of you histry.

$17mma

And to be honest credit score are a myth and all files are rated differently under different crieteria dependant on the creditor..

Not one creditor may rate you the same... ave a look at Martins article

http://www.moneysavingexpert.com/cgi-bin/viewnews.cgi?newsid1101485056,23650,