Experian Credit score

GTR_King

I have just checked my credit score on Experian it's 793/999 and says it fair..

is there any way I can make my credit score better??

I have never had a credit card or a loan.

only did buy it now pay 12 months later on macbook/ipad that has been paid off

Only negative is You have opened 3 new credit accounts in the last 6 months

did open TSB/Barclays A/C This year and upgrade phone last year..

[Deleted User]

Ignore the score, as Experian don't lend money.

The best way to build a solid credit history is to use a credit card responsibly, as well as being on the electoral roll and checking all your details on your files are correct.

GTR_King

Thanks I did check Experian to see what credit cards i could be accepted for but didn't like any of them.

would rather go for a TSB Credit card or barclays credit card

[Deleted User]

What was not to like about them? Unless you're actively looking for a specific benfits - eg cashback or a BT, then it's simply a means of building a credit history.

You're very unlikely to be offered an Amex Titanium for your first card.

GTR_King

i just wanted a standard TSB Credit card etc but not fussed if i don't have one

[Deleted User]

Then apply for one you can get. Eg aqua or Vanquis if nothing else.

GTR_King

ok well I don't want one of them want one with a bank e.g TSB Lloyds Barclays etc if i decided to get one in the future.

that only if a credit card will help my score get better....

I am very good with my money

I have only one negative and thats because I opened 3 new credit accounts in the last 6 months.
Barclays current A/C
TSB Current A/C
O2 Phone contract upgrade

GTR_King

I checked noddle.co.uk my score is 2/5 but been matched for 71 credit cards dunno why as Experian only matched me with 6

The_Boss

GTR_King wrote: »

I checked noddle.co.uk my score is 2/5 but been matched for 71 credit cards dunno why as Experian only matched me with 6

We've already said the credit score is a meaningless randomly generated number and to ignore it. Have you used the credit card tool on this website to see which you could apply for?

GTR_King

Yeah i just used that & seen a few that u i could apply for if i wanted to

Experian_company_representative

Hi GTR King

GTR_King wrote: »

Yeah i just used that & seen a few that u i could apply for if i wanted to

When using the Experian CreditMatcher service it shows you credit deals based on the information recorded on your Experian Credit Report.

Your report won't change while you consider the options that CreditMatcher finds for you, as only your full and final application to your chosen lender will result in a registered credit search.
As you've mentioned you have a negative factor recorded on your credit report, once your three new accounts mature in age, they could be viewed less negativity by your future lenders.

All the best of luck when applying for credit in the future.

Regards
James Jarvis