An amusing question on Clearscore

lisa110rry

Hello all,

I thought I would see what Clearscore would tell me about myself, so I started the sign up process. I'm approaching 60 but have only lived in this country since I was 21.

Are you familiar with the "questions only I would know the answer to" part of the sign up process? Well, it only told me that it appeared that I had opened a bank account in 1964!!!!!!!! (I would have been 8 years old and living in the US at that time.) I thought about it and realised that that must have been when my husband opened his account (age 17) which became a joint account on our marriage in 1977 - so I could answer that one. Then it asked me what the overdraft level was on the account! Well, it's been closed for 2 or 3 years, so I just had to take a stab in the dark, as it happens I was right (sheer fluke).

Anyhoo, it appears the score is 543/700, there is nothing on there that I cannot identify, but as I pay all accounts including utilities (smaller firm though, perhaps they don't report), BT, O2, community charge, I would have expected at least one of these to be shown - though all are paid by direct debit, never missed a beat.

It says something like "soaring high" but I wonder what it takes to get 700/700? (Not that I want any credit, just curious.)

HappyMJ

lisa110rry wrote: »

Hello all,

I thought I would see what Clearscore would tell me about myself, so I started the sign up process. I'm approaching 60 but have only lived in this country since I was 21.

Are you familiar with the "questions only I would know the answer to" part of the sign up process? Well, it only told me that it appeared that I had opened a bank account in 1964!!!!!!!! (I would have been 8 years old and living in the US at that time.) I thought about it and realised that that must have been when my husband opened his account (age 17) which became a joint account on our marriage in 1977 - so I could answer that one. Then it asked me what the overdraft level was on the account! Well, it's been closed for 2 or 3 years, so I just had to take a stab in the dark, as it happens I was right (sheer fluke).

Anyhoo, it appears the score is 543/700, there is nothing on there that I cannot identify, but as I pay all accounts including utilities (smaller firm though, perhaps they don't report), BT, O2, community charge, I would have expected at least one of these to be shown - though all are paid by direct debit, never missed a beat.

It says something like "soaring high" but I wonder what it takes to get 700/700? (Not that I want any credit, just curious.)

Community charge? Councils charged residents community charge from 1990 to 1992. They never reported to credit reference agencies even if you didn't pay the bill and were taken to court. Even today council's charging tax payers council tax do not report to credit reference agencies even if you get a liability order and have the enforcement agents knocking on your door and continue to refuse to pay.

lisa110rry

There you go, showing my age...