How is my credit score so low?

wayne99

or people that go onto lower my bills, and get scam loan brokers ringing them up trying the old "£60" processing fee con.

CRA's are there to make money and spy on the consumer, sell your details to third parties, and make loads of cash ripping people off for meaningless credit scores that have no reflection what so ever on the individual criteria that lenders use.

Experian co rep, you have no clue, and have obviously been brain washed into thinking your correct.

I have to say to everyone do not pay for your credit score, you would be better to pay for the £2.00 statutory credit report, atleast that will be able to provide you with pretty accurate information, you should then be able to gauge yourself if you have a good credit record or not.

If in doubt just ask on here for advice, don't phone the CRA's they will just feed you a load of balls, pass your details on to loan brokers, advise you to pay for more meaningless crap from there Website.
Don't bother wasting another penny on these con artist CRA's, the other users on here can give you better advice and you don't even need to ring an 0844 number, sit in a queue for 30 mins passing more cash to these numptees to get the advice.

ElkyElky

Any wrote: »

At least stop talking rubbish.

Every day we come accross people with posts such as "Experian say my credit rating is 999 but I've been refused for credit card, please help" and then after the first question we find out that they never had credit before and/or they don't have regular income.

So to say that it is a guide to how lender will rate your credit report is the biggest fib I've heard in a long time!!

In his defense, his forum name is "Experian Company Representative" - they'll be paying him to say nice things about Experian. I'd like to see him come here using a personal account, when he isn't working to give his real opinions about Experian and it's services.

He probably thinks the scores are the biggest load of bol*ocks like everyone else.

wayne99

I dont mean to be picky but his user name is:
#24

Experian company representative





mind you there all as useless as each other !!

ElkyElky

wayne99 wrote: »

I dont mean to be picky but his user name is:
#24

Experian company representative





mind you there all as useless as each other !!

lol Thanks for pointing that out. I shall edit my post accordingly.