credit reports

boring1

Hi,
I am a little confused - I have just looked at my credit reports for Experian, Equifax and Noddle.

Equifax and Noddle both list me as poor - and with 2 defaults waiting to drop off beginning of 2016 I can understand this.

Experian list me as excellent with a near perfect 966/999 - both defaults also showing on this report.

I am confused - anybody got an thoughts on this?

Thanks

fermi

Yes, stop paying for worthless credit score services.

See --> What credit scores really mean guide

National_Debtline

Hi

The credit reference agencies seem to have their own criteria for creating a score for you. I’m not sure why there is such a large discrepancy but the score they give you isn’t important anyway. If you apply for credit the score isn’t visible to creditors and they will interpret the information on your file in their own way.

James
@natdebtline

boring1

fermi wrote: »

Yes, stop paying for worthless credit score services.

See --> What credit scores really mean guide

I didn't pay - noddle is free and the other 2 both have free trials that I have now cancelled.

fermi

Good. :T

rockm87

Dont worry about credit scores, you get graded by a companies 'criteria' for a product.

It is confusing, it is intentionally made this way to make money out of vulnerable people.

Just make sure the details are correct, and move on :-)