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credit rating what the hell??
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chrisni1986
Posts: 25 Forumite
checked my credit rating 4 days ago and i had a score of 993, went on today to check something else and noticed the score has dropped to 948.. a drop of 45 points for what? nothing has changed or been updated since i checked a few days ago so whats going on can anyone shed some light?
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i was under the impression the credit score in itself doesnt really mean anything im under the impression that its there as a guide only i could be wrong tho0
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chrisni1986 wrote: »checked my credit rating 4 days ago and i had a score of 993, went on today to check something else and noticed the score has dropped to 948.. a drop of 45 points for what? nothing has changed or been updated since i checked a few days ago so whats going on can anyone shed some light?
The real question is: why does it matter and why are you looking at your Experian score at all? Your personal score (the one you pay for or get on your free trial) is completely irrelevant and not seen by any lenders. The data in your three credit reports is the only thing that matters.
Refer to any number of posts on this forum where people have 999 but can't get any credit if you don't believe me0 -
chrisni1986 wrote: »checked my credit rating 4 days ago and i had a score of 993, went on today to check something else and noticed the score has dropped to 948.. a drop of 45 points for what? nothing has changed or been updated since i checked a few days ago so whats going on can anyone shed some light?
Do you ever say to yourself when you login to Experian and a 993 score pop up which is excellent' how the hell am I scoring this high with a default on my file?0 -
Do you ever say to yourself when you login to Experian and a 993 score pop up which is excellent' how the hell am I scoring this high with a default on my file?
Oh it gets worse, I have a "score" of 980 with a bankruptcy order and six defaults on my credit file :rotfl:Cashback Earned ¦ Nectar Points £68 ¦ Natoinwide Select £62 ¦ Aqua Reward £100 ¦ Amex Platinum £48
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Lol I know its scandalous.
Can you remember Izools when James Jones offered you a Job
He did what when?
Was this in some parallel universe? The way I spoke to that guy sometimes I'm surprised he didn't report meCashback Earned ¦ Nectar Points £68 ¦ Natoinwide Select £62 ¦ Aqua Reward £100 ¦ Amex Platinum £48
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chrisni1986 wrote: »checked my credit rating 4 days ago and i had a score of 993, went on today to check something else and noticed the score has dropped to 948.. a drop of 45 points for what? nothing has changed or been updated since i checked a few days ago so whats going on can anyone shed some light?
https://forums.moneysavingexpert.com/discussion/45329330 -
Credit Scores are funny things- some times I think it depends on silly things like the colour of your top when you log in......Paid off the last of my unsecured debts in 2016. Then saved up and bought a property. Current aim is to pay off my mortgage as early as possible. Currently over paying every month. Mortgage due to be paid off in 2036 hoping to get it paid off much earlier. Set up my own bespoke spreadsheet to manage my money.0
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