increasing my credit score. HELP!!!

JohalaReewi

Also a quick money saving tip.

Don't pay good money for the worthless 'so called' credit scores from Experian, Equifax, etc.
The scores are not passed to lenders with your credit history and are just numbers made up by the credit reference agencies.

Mode1803

Don't pay good money for the worthless 'so called' credit scores from Experian, Equifax, etc.
The scores are not passed to lenders with your credit history and are just numbers made up by the credit reference agencies.

That is interesting - so where should you check your credit and what do they send to the lenders?

jon_boy75

Mode1803 wrote: »

That is interesting - so where should you check your credit and what do they send to the lenders?

the credit details are valuable, but the actual score is arbitrary and meaningless

it's just a moneymaking operation dreamed up by the CRAs

JohalaReewi

Mode1803 wrote: »

That is interesting - so where should you check your credit and what do they send to the lenders?

You should check your credit history (or report) held by the credit reference agencies. The £2 statutory report has everything you need and is also the information sent to lenders. The 'score' (magic number) you pay extra for is just a number dreamt up by the credit reference agency computer and is NOT part of your credit history, so it never gets sent to anyone but you. Ergo, it's a waste of good money.