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was is not included in a credit rating?

Deals_2
Deals_2 Posts: 2,410 Forumite
in Credit cards
i remember readign about this but not sure where to find the original document again. thanks
«1

Comments

  • bert&ernie
    bert&ernie Posts: 1,283 Forumite
    Shoe size?
    The whole problem with the world is that fools and fanatics are always so certain of themselves, but wiser people so full of doubts.
  • powned
    powned Posts: 119 Forumite
    best thing to do is just get a credit report and see whats on it, they are very detailed but they dont show what you earn or who you work for etc.... yet
  • bert&ernie
    bert&ernie Posts: 1,283 Forumite
    powned wrote: »
    best thing to do is just get a credit report and see whats on it, they are very detailed but they dont show what you earn or who you work for etc.... yet

    no links in signatures - http://forums.moneysavingexpert.com/showpost.html?p=1009352&postcount=25
    The whole problem with the world is that fools and fanatics are always so certain of themselves, but wiser people so full of doubts.
  • exel1966
    exel1966 Posts: 5,081 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Deals wrote: »
    i remember readign about this but not sure where to find the original document again. thanks


    http://www.moneysavingexpert.com/banking/credit-rating-credit-score#know
  • clio
    clio Posts: 3,345 Forumite
    why is there no mention of your job on the credit report!.
  • CLAPTON
    CLAPTON Posts: 41,865 Forumite
    10,000 Posts Combo Breaker
    clio wrote: »
    why is there no mention of your job on the credit report!.


    Because it a credit report and your employer doesn't provide you with credit and so doesn't report your credit dealings with the agencies.
  • clio
    clio Posts: 3,345 Forumite
    But too be able too apply for credit it asks you for your work info, so why do they bother if it's not logged.
  • CLAPTON
    CLAPTON Posts: 41,865 Forumite
    10,000 Posts Combo Breaker
    clio wrote: »
    But too be able too apply for credit it asks you for your work info, so why do they bother if it's not logged.


    Maybe I'm not being very clear or have misundestood the question.

    When a specific lender rates you for suitability for their loans then yes , your salary, job type, property ownership etc etc is indeed included in their internal rating.
    But the information is not held on the credit agencies records.
  • clio
    clio Posts: 3,345 Forumite
    Clapton
    Oki Doki. But imo the credit file should be more comprehensive.
  • nzseries1
    nzseries1 Posts: 2,240 Forumite
    clio wrote: »
    Clapton
    Oki Doki. But imo the credit file should be more comprehensive.

    I disagree. I want my credit file to show as little as possible.

    I can see why it would be good in some cases, however if you start including everything like salary details on there, next it will be DNA, bone marrow samples, Mother's maiden name, sexual orientation, etc. stored on there.
    You're spelling is effecting me so much. Im trying not to be phased by it but your all making me loose my mind on mass!! My head is loosing it's hair. I'm going to take myself off the electoral role like I should of done ages ago and move to the Caribean. I already brought my plane ticket, all be it a refundable 1.
This discussion has been closed.
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