What your credit score really means

[Deleted User]

It's less than optimal, so use a decent broker.

allyj13

I do have a broker, though not sure they are the best. 

allyj13

Can anyone recommend a good broker? 

D3xt3r5L4b

allyj13 said:

Can anyone recommend a good broker? 

You need to source one yourself.

J0nn0

Hi, first time contributor!
Could anyone tell me why my experian credit score has gone down 12 points for no apparent reason please?
I have no active credit accounts, and my score has been rising slowly but steadily over the last few months?
He only way I seem to be able to find out is to pay 14.99 a month for the premium service, which I dont want to do!
Thanks

D3xt3r5L4b

J0nn0 said:

Hi, first time contributor!
Could anyone tell me why my experian credit score has gone down 12 points for no apparent reason please?
I have no active credit accounts, and my score has been rising slowly but steadily over the last few months?
He only way I seem to be able to find out is to pay 14.99 a month for the premium service, which I dont want to do!
Thanks

You’ve answered your own question...

goldieandblackie

J0nn0 said:

Hi, first time contributor!
Could anyone tell me why my experian credit score has gone down 12 points for no apparent reason please?
I have no active credit accounts, and my score has been rising slowly but steadily over the last few months?
He only way I seem to be able to find out is to pay 14.99 a month for the premium service, which I dont want to do!
Thanks

Just go here and register for free credit score each month https://www.moneysavingexpert.com/creditclub/

D3xt3r5L4b

goldieandblackie said:

J0nn0 said:

Hi, first time contributor!
Could anyone tell me why my experian credit score has gone down 12 points for no apparent reason please?
I have no active credit accounts, and my score has been rising slowly but steadily over the last few months?
He only way I seem to be able to find out is to pay 14.99 a month for the premium service, which I dont want to do!
Thanks

Just go here and register for free credit score each month https://www.moneysavingexpert.com/creditclub/

Credit report.
Ignore the scores. 

kat81

Hi,
I use MSE Credit Club and have been very conscious about how I use credit due to previous bad reports/scores. This year every month my score has gone up every month and since the beginning of the year I have gone from being in the poor region to last month going into the good region and being not far off Excellent. However received my update today from MSE Credit Club  and I have dropped 164 points and have gone back to being 'fair'. I know people say score doesn't matter but i'm at a loss as to why it has gone down so dramatically when I haven't changed anything. Any insight, what should I/can I do about it? 

[Deleted User]

You don't need to do anything about it. It's just what the scores do.

Just make sure the data is accurate and that you're managing your credit responsibly.