Hisatoric Credit Score

w00519772

Is it possible to see your historic credit score i.e. what it was this time last year on Noddle (https://www.noddle.co.uk) or Clearcore (https://www.clearscore.com)?

MaebyJade

Why do you want to see that? Credit scores (past, present or future) are pretty meaningless as it's just a marketing tool the credit reference try and sell you, lenders never see it. There are people with a very low score who have no problem getting credit and other with 'perfect' score and can't get credit anywhere. The important thing is that is on your credit file and your history.

pcman1985

You can see how the random number given to you has changed on Clearscore under Reports then Overview.

But it will only show the changes in the number from the date you signed up.

However the score means nothing, it's the credit history that is important.

w00519772

MaebyJade wrote: »

Why do you want to see that? Credit scores (past, present or future) are pretty meaningless as it's just a marketing tool the credit reference try and sell you, lenders never see it. There are people with a very low score who have no problem getting credit and other with 'perfect' score and can't get credit anywhere. The important thing is that is on your credit file and your history.

My credit rating has fallen over the last 12 months. I want to know if it was because:

1) I now have credit card debt of £1400 (overall credit limit is £2000) due to Stoozing (https://en.wikipedia.org/wiki/Stoozing) since March 2015. I have interest free credit until May 2016. I could pay this off easily.
2) I have opened four new current accounts since 01/12/2015.
3) I have a mortgage (currently £96,000) since July 2014.

My credit rating (with Experian) was almost the maximum when I took out the mortgage. Therefore:

1) If my credit score was low this time last year then I would know it is a result of the mortgage. I would do nothing.
2) If my credit card was good this time last year and low in November 2015 then I would know it has fallen due to the Stoozing and I need to pay my credit card debt today.
3) If my credit score was good in November 2015 then I would know it has fallen due to opening four new current accounts. Then I would not pay off the credit card.

YorkshireBoy

When will you be looking to re-mortgage/product switch with your existing lender? If 2-3 years, then worry about something else in your life.

Since you started this questioning on credit scores, how much money have you spent on them?

At the end of the day, a £1,400 credit card debt is nothing!...when you've got the income to support a £96K mortgage, unless you were borderline accept for the mortgage based on income/affordability?

DCFC79

As been mentioned your score is of no relevance.

w00519772

YorkshireBoy wrote: »

When will you be looking to re-mortgage/product switch with your existing lender? If 2-3 years, then worry about something else in your life.

Since you started this questioning on credit scores, how much money have you spent on them?

At the end of the day, a £1,400 credit card debt is nothing!...when you've got the income to support a £96K mortgage, unless you were borderline accept for the mortgage based on income/affordability?

I bought the house for £150K. I do not have a problem with the mortgage. I only have a problem with my credit score. It was the very max (999) at one point just before I got the mortgage. Now I am seeing much lower figures.