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Good credit score but its out of date

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Hi all,

I reactivated my experian credit file account after being about 5 years unused.
It shows me as living at a previous address and with a good credit score.

I noticed experian offer a credit match faciity where based on the credit score it matches you to a credit card, loan etc.

I know my current credit score is actually poor from problems 3 years ago.

Do you think if i apply for a credit card via experian's match facility the application will be based on my old but good credit score?

Thanks for any constructive help.

Comments

  • JohalaReewi
    JohalaReewi Posts: 2,614 Forumite
    Do you think if i apply for a credit card via experian's match facility the application will be based on my old but good credit score?
    New (and probably different) credit scores will be calculated by lenders when you apply to them for credit. The scores from Experian are not credit scores. They are a numerical representation of the data held by Experian about you (other CRAs are available).

    Your application for credit will be based on current data about you (not Experian's score) so make sure there are no mistakes in your credit history. If it shows you at the wrong address, this could be seen as bad from a lender's point of view.
  • The_Boss
    The_Boss Posts: 5,858 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper

    I know my current credit score is actually poor from problems 3 years ago.

    How do you know this when you've seemingly not applied for any credit recently? Different lenders will assess your application differently.
  • guesswho2000
    guesswho2000 Posts: 1,703 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Uniform Washer
    Do you think if i apply for a credit card via experian's match facility the application will be based on my old but good credit score?

    Thanks for any constructive help.

    No, it'll be based on the score the lender calculates at the time you apply - the old score is Experian's meaningless interpretation of your previous file, resulting in a randomly generated number to encourage you to part with £ each month for their service :D
  • DCFC79
    DCFC79 Posts: 40,641 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    I noticed experian offer a credit match faciity where based on the credit score it matches you to a credit card, loan etc.

    Despite you being matched I bet its not guaranteed you would get the loans or credit cards at the apr%.
  • izools
    izools Posts: 7,513 Forumite
    1,000 Posts Combo Breaker
    If you update your history of addresses accurately and check again the next day you will see all of your current data.
    Cashback Earned ¦ Nectar Points £68 ¦ Natoinwide Select £62 ¦ Aqua Reward £100 ¦ Amex Platinum £48
  • Blizzard heeft inmiddels beneden het echte geld en goud veilinghuizen en heeft beweerd dat het dilemma op te lossen, met server onderhoud gebeurt nu.

    Volgens politiewoordvoerder Micky Rosenfeld, Jeruzalem politie plande een zware aanwezigheid in het gebied aan de demonstratie, die werd verwacht dat duizenden trekken zorgen, niet escaleren in geweld, zoals zij heeft gedaan in heel Women laatste maand van de Muur Rosh Hodesh service, resulterend in verwondingen en diverse arrestaties van Haredim.
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    ,Ook het team streeft naar personen die houden van het draaien van hun geluid uit.In de loop van de melee, hebben 3 Haredi mannen zijn gearresteerd en twee

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  • CRISPIANNE3
    CRISPIANNE3 Posts: 1,476 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    For anyone who does not speak Dutch.

    quote

    Blizzard has been below the real money auction houses and gold and has claimed that solve the dilemma with server maintenance happening now.

    According to police spokesman Micky Rosenfeld, Jerusalem police planned a heavy presence in the area at the demonstration, which was expected that thousands take care, do not escalate into violence, as it did throughout Women last month of the Wall Rosh Hodesh service, resulting in injuries and several arrests of Haredim.
    , Inside the meantime, we are all just going to have to be and waiting to see what Blizzard, Jones and Rob have instore for our patient. "There is a great sense of community in the guild with a number of artists and musicians who work on our forums on natural grasp.
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