Credit Score Confusion

ewan221
ewan221 Posts: 4 Newbie
So checked my credit scores tonight

according to credit expert Experian is 953

According to check my file Experian is 575, Equifax is 844 and call crededit is 833.

Now very confused to the huge differnce in the Experian Scores checked within 3 mins of each other ???????

Comments

  • paulmcerlean
    paulmcerlean Posts: 831 Forumite
    Your paying for credit scores that are meaningless.

    They are scores generated by Experian, Equifax, and Call Credit but bear absolutely NO RELEVANCE to any score you achieve from a lender when you apply for a loan, credit card or finance of any kind.

    Each lender scores differently from each other based on a lot more than just your credit file. Do yourself a favour and stop paying a fortunes for a very random and meaningless number.
  • Apples2
    Apples2 Posts: 6,442 Forumite
    Here you go... have a score of 99999

    The score maybe what Experian say, but you aren't trying to borrow money from Experian!!!

    As paulmcerlean said, each lender is completely different and look upon you based on their own information.
  • DizzleUK
    DizzleUK Posts: 569 Forumite
    Agreed, if you want to pay money for some random numbers buy a Lucky Dip lottery ticket. At least then you will have a chance of a return on your investment.

    There's got to be a better way of getting this message across to people:

    Credit reports- very useful and worth paying (the stat £2) for.
    Credit scores- completely useless in every way.
    Remember this: nothing worth doing is easy.

  • Wutang_2
    Wutang_2 Posts: 2,513 Forumite
    Did you apply for any loans within that 3 minutes?

    My score went from 299 to 3078 when I did this, so it does make one wonder
    Hi, we’ve had to remove your signature. If you’re not sure why please read the forum rules or email the forum team if you’re still unsure - MSE ForumTeam
  • Hello.
    I just got a credit score with Experian and it was 460 (Very Bad). How can I get a credit report from somebody?
    Thanks
  • DizzleUK
    DizzleUK Posts: 569 Forumite
    david1983 wrote: »
    Hello.
    I just got a credit score with Experian and it was 460 (Very Bad). How can I get a credit report from somebody?
    Thanks

    If you read the rest of this thread you will already know you just wasted £5.95.

    Your credit report is available from Experian (which you should already have if you've registered with them) and is also available from Equifax and CallCredit.
    Remember this: nothing worth doing is easy.

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