Good credit score but its out of date

lookingforthelight

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.

JohalaReewi

lookingforthelight wrote: »

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

lookingforthelight wrote: »

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

lookingforthelight wrote: »

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

DCFC79

lookingforthelight wrote: »

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

If you update your history of addresses accurately and check again the next day you will see all of your current data.

messagerie

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quote

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