Experian Credit Score

zizu73

Hi there,

Thanks for reading. I have checked my Experian credit score which was 797 (fair). This was due to 2 things: 1. incorrect info regarding the electoral registry - I am registered and voted in the last elections on my current address so just their mistake. Will just scan the document and email it to them. 2. 'You have no successfully settled non-mail order accounts.' This is more tricky as I have no idea what they mean by this. The report doesn't mention who is the lender/company, no names, no hints, no dates. I have no idea what this is regarding. Does anybody know what this could mean? Should I just email Experian and ask?

Thanks in advance for any advise.

Zizu

rb10

'You have no successfully settled non-mail order accounts' means that you don't have any closed accounts showing up on your report.

Successfully settled = closed 'properly', i.e. not by defaulting on the account
Non-mail order accounts = 'normal' accounts, i.e. bank accounts, credit cards, mortgages etc.

It indicates that if you have any old unused accounts, it may be worth closing them.

CLAPTON

what credit lines do you have at the moment and do these show on your files??

Lessbutbetter

zizu73 wrote: »

Hi there,

Thanks for reading. I have checked my Experian credit score which was 797 (fair). This was due to 2 things: 1. incorrect info regarding the electoral registry - I am registered and voted in the last elections on my current address so just their mistake. Will just scan the document and email it to them. 2. 'You have no successfully settled non-mail order accounts.' This is more tricky as I have no idea what they mean by this. The report doesn't mention who is the lender/company, no names, no hints, no dates. I have no idea what this is regarding. Does anybody know what this could mean? Should I just email Experian and ask?

Thanks in advance for any advise.

Zizu

If you sort out these two things above you may get yourself up to the dizzying heights of the golden 999

Good luck!

zizu73

Thanks rb10. I have several old saving accounts with Barclays which I don't use anymore. Could it be it?

zizu73

CLAPTON wrote: »

what credit lines do you have at the moment and do these show on your files??

Thanks CLAPTON. I don't have any credit cards at the moment if it's what you asked. I just have several saving accounts which I haven't used or closed.

BugsyBrowne

Might be worth checking the other 2 CRA's aswell call credit & Equifax and See if your on electrol role there.

Tixy

zizu73 wrote: »

Thanks CLAPTON. I don't have any credit cards at the moment if it's what you asked. I just have several saving accounts which I haven't used or closed.

Not just credit cards - any open credit accounts at all - loans, catalogue accounts, bank account with an overdraft, hire purchase agreements, mobile phone contracts, utilities that appear on your credit file? gym contracts or anything like that?

Savings account do not appear on your credit file or influence it in anyway.

If you don't have any open credit accounts at all - then regardless of the score that experian will sell to you - its likely you will find it hard to get credit from a lot of places.

zizu73

BugsyBrowne wrote: »

Might be worth checking the other 2 CRA's aswell call credit & Equifax and See if your on electrol role there.

Thanks, will do!

zizu73

Tixy wrote: »

Not just credit cards - any open credit accounts at all - loans, catalogue accounts, bank account with an overdraft, hire purchase agreements, mobile phone contracts, utilities that appear on your credit file? gym contracts or anything like that?

Savings account do not appear on your credit file or influence it in anyway.

If you don't have any open credit accounts at all - then regardless of the score that experian will sell to you - its likely you will find it hard to get credit from a lot of places.

Thanks. I see so it can't be my saving accounts. I have O2 contract. I will check with them if there is anything on my file.