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1 in a lifetime credit score.
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First worked for Experian in 1987 (was CCN back then of course), but in 20th year now since joining full time after uni.
We've actually updated our scorecard recently for the Experian Credit Score, so the apparent anomaly (referred to above) regarding how people with sub-prime credit reports are scored will no longer happen and you can compare like for like. Before, we effectively had two scorecards, one for prime and one for subprime, reflecting how many lenders work. It clearly caused some confusion, which was not the intention.
James Jones“Official Company Representative
I am an official company representative of Experian. MSE has given permission for me to post in response to queries about the company, so that I can help solve issues. You can see my name on the companies with permission to post list. I am not allowed to tout for business at all. If you believe I am please report it to forumteam@moneysavingexpert.com This does NOT imply any form of approval of my company or its products by MSE"
Posts by James Jones, Neil Stone, Stuart Storey & Joe Standen0 -
Experian_company_representative wrote: »First worked for Experian in 1987 (was CCN back then of course), but in 20th year now since joining full time after uni.
We've actually updated our scorecard recently for the Experian Credit Score, so the apparent anomaly (referred to above) regarding how people with sub-prime credit reports are scored will no longer happen and you can compare like for like. Before, we effectively had two scorecards, one for prime and one for subprime, reflecting how many lenders work. It clearly caused some confusion, which was not the intention.
James Jones
Like I say I like the new layout and the advice provided is better than before.
I would, however, like you to enlighten us as to how I, someone with six defaults and a bankruptcy order showing in all their glaring glory on my Experian credit file, can be given a "Score" of 902?
The "Public record information" section doesn't have an exclamation beside it and the "Negative Factors" section doesn't flag the presence of a bankruptcy order as "Negative".
Someone has seriously dropped the ball (again) with the way your "Score" works - it's no wonder you get so much flack given the way it scores people like me!Cashback Earned ¦ Nectar Points £68 ¦ Natoinwide Select £62 ¦ Aqua Reward £100 ¦ Amex Platinum £48
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think experian should give some free scores away to restore our faith in them, you have a lot of work todoDon't put your trust into an Experian score - it is not a number any bank will ever use & it is generally a waste of money to purchase it. They are also selling you insurance you dont need.0
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yup nothingDon't put your trust into an Experian score - it is not a number any bank will ever use & it is generally a waste of money to purchase it. They are also selling you insurance you dont need.0
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