Are Expedia and Experian so different from each other?

dacdesigns

I have been declined for a £12,000 loan from my bank natwest who have told me this is because of my credit score, so I payed for my score from experian which gave me a score of 912 out 999 so is this not good? Anyway I have just applied for the same loan with Tesco thinking that I might get lucky and also got declined because of my score. :mad:

Could Experian get my score wrong or do you need a score of 999 to get a loan?

~Brock~

Your score with Experian carries no weight with lenders. They each have their own set of criteria.

dacdesigns

thanks for the quick reply, so basically I have just wasted £12 on my credit report and score and had another search done on my file.

dacdesigns

I was told after that they used equifax, so must be something not right with my score with them.

dacdesigns

Also I ment to put Equifax in the title not expedia lol

hullight

dacdesigns wrote: »

Are Expedia and Experian so different from each other?

One is a credit referencing agency, the other is a travel booking site!

You must mean Equifax. Don't forget Callcredit as well.

ILW

dacdesigns wrote: »

thanks for the quick reply, so basically I have just wasted £12 on my credit report and score and had another search done on my file.

The report is worth having, the score is a waste of money. It takes no account of such things as income.

seeya23

dacdesigns wrote: »

I have been declined for a £12,000 loan from my bank natwest who have told me this is because of my credit score, so I payed for my score from experian which gave me a score of 912 out 999 so is this not good? Anyway I have just applied for the same loan with Tesco thinking that I might get lucky and also got declined because of my score. :mad:

Could Experian get my score wrong or do you need a score of 999 to get a loan?

well tesco loans is apart of natwest (rbs) try apply from a other group

dacdesigns

seeya23 wrote: »

well tesco loans is apart of natwest (rbs) try apply from a other group

Wish I knew this :mad:

Should have done more homework

dacdesigns

Who would you recommend trying?

Joeler

Try using someone that will search Experian. List on link below.

http://forums.moneysavingexpert.com/showthread.html?t=1033817&highlight=underground

Although be aware the amount you are asking for is quite a bit to get unsecured at the moment. Also consider your other debt commitments and affordability

Good luck!