Experian: How many points does electoral register increase?

epicshane123

ive opened a Santander 123 c/card and mines gone up by 103...

Korberon

Hi,
despite the fact that all those scores means nothing at all
just in case there is anyone else wondering what change the single factor of being registered for election brings.

based on my own recent experience

experian went up from 899 to 951 (52 points)
and equifax went up from 284 to whopping 460 (176 points)

i was monitoring my scores daily and no other factors played a part

hope someone will find it helpfull

Adam

[Deleted User]

Korberon wrote: »

hope someone will find it helpfull

They won't.

DCFC79

Korberon wrote: »

Hi,
despite the fact that all those scores means nothing at all
just in case there is anyone else wondering what change the single factor of being registered for election brings.

based on my own recent experience

experian went up from 899 to 951 (52 points)
and equifax went up from 284 to whopping 460 (176 points)

i was monitoring my scores daily and no other factors played a part

hope someone will find it helpfull

Adam

Experian score went up by 104
Experian went up by 504 so go figure 😉

[Deleted User]

quinndelfre wrote: »

That's not possible. You must be really naive to think lenders don't see your Experian credit score. Officially they're not able to see it, but when I deliberately make an application to a lender and have a friend working there, if he's able to give me feedback on my score, accurately, he's either psychic or able to see my credit score.

(Smaller) companies can pay Experian et al to develop scorecards for them, and a 'score' will then come down to the lender from Experian based on this - but even the 'score' generated from this won't match the score Experian dish out to consumers.

I think your 'friend' is getting confused between the two. Or is thinking of the business Delphi scoring - where Experian can generate suggested credit limits & ratings for a commercial application. But even then lenders don't have to follow it, many use it as a guide.

Fair enough Experian might well say we rate ABC Ltd. as a 99999 score, give them a £2.52 million limit. If bank underwriters think god no... they look a bit dodgy, then they applicants will only get a fraction of that (or rejected outright).

glentoran99

quinndelfre wrote: »

That's not possible. You must be really naive to think lenders don't see your Experian credit score. Officially they're not able to see it, but when I deliberately make an application to a lender and have a friend working there, if he's able to give me feedback on my score, accurately, he's either psychic or able to see my credit score.

Lenders use the date and make up their own score, They don't see experians score