credit score

andy0073

hi
is there any free trial that actually gives you your credit score?
i have applied for a mobile contract and they took the £2.00 but havent refunded,i since have had an email saying something was up. i called and they said something must be wrong with credit, i signed up with equifax and it tells me nothing i dont know. i.e all accounts etc.. are fully upto date and ive never had anything bad or not paid any bills !!!!
any help pls

[Deleted User]

credit scores are useless and have little meaning

NeverEnough

You need to check Experian as well as Equifax. Experian is the largest of the CRAs and the info they record is not always the same. You might want to add the third CRA, Callcredit, for good measure, although it is the smallest and not many companies use them. Scores mean nothing except that they make loads of money for the CRAs. Lenders have their own criteria, they do not use CRA inhouse "scores" for which the public pay £5.95 a time!!

Experian_company_representative

To answer your question, you get free Experian Credit Scores if you take up the CreditExpert 30-day free trial. This score is based on the scorecards we build for many lenders, although it will differ because lenders factor additional data sources into their scores. Still a useful guide to the state of your personal credit history IMHO.

By the way, did the phone provider tell you which CRA they used? They certainly should do, so you know where to make enquiries.

James Jones

JohalaReewi

andy0073 wrote: »

hi
is there any free trial that actually gives you your credit score?

You should be more interested in your credit report. Make sure that everything on there is correct and that you are showing as on the electoral role.

Don't worry about the score. It is meaningless in the real world. If it is free then it's a bit of fun, but don't waste good money (or sleep) on it.

salau2

Getting any such score is a waste of money. You should only look at a score if it’s included in your free trial.


You could always give yourself a score:


+50 for each form of credit you have been paying that has 0 missed payments in the last 6 years


+25 for each year you have lived in your address and been registered on the electoral roll (max 6 years)


+100 in the level of debt you have is less than 10% if your annual salary


+100 if the amount of available credit you have is less than 20% of your annual salary


+250 if you have more than £2million in available assets


-100 for each missed payment on a credit agreement


-250 for each default, CCJ or if you have been bankrupt (in the last 6 years)


-300 if you were ever silly enough to pay Vanquis, Aqua or Capital One interest


Minimum total 250 maximum total 1000


250-350 – very poor credit score


351-450 – poor credit score


451-550 – fair credit score


551-650 – average credit score


651-750 – good credit score


751-850 – very good credit score


851-950 – excellent credit score


950-1000 – you’re on your way to Coutts


Thank you that’ll be £5.99


No harm intended.