equifax credit score 29 December 2015 at 10:53PM in Credit file & ratings 3 replies 680 views

installer69

Here's a quick one. Just checked my equifax rating for a laugh expecting it to glow as red as Rudolph's nose only to find it says very good! The reason I'm shocked is that I have a current unsettled CCJ on my file. Any thoughts on this score?

worried_jim

It's meaningless and banks don't use them.

installer69

Cheers Jim, I just read a few more posts and see that the scores are rubbish. I am assuming that the mobile phone companies who check with Equifax will get the record of my CCJ from them and stick 2 fingers up at me. Is this correct?

Superscrooge

The mobile phone companies will get your credit history, not your credit score, so they will get details of any CCJ

There are many posts from people confused because one credit reference agency gives them a high score and another gives them a low score.

Credit Scores are just a marketing tool by the CRA's to get people to keep visiting their website to check their credit score, so they can sell more advertising or sell products to you.

It's your credit history that counts