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Awful Equifax score with no explaination
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bukko
Posts: 138 Forumite
Hi,
I've had an Equifax account (£15/month!) for some time now because I wanted to monitor my credit score after a period of hardship.
Recently my score has dropped significantly with no explanation from them.
I have asked why this has happened; originally they couldn't explain it but said that individual credit agencies wouldn't use their score anyway, just the file details.
However it dropped again a week or so ago and this time they won't even respond!
In April last year my score was 394 - now it's 181. Nothing has changed in between except a credit check from EE.
The last time I spoke to them it was a call center in India, so I'm not confident I will get any response.
I was told by them that having an account could help my score improve; this doesn't seem to be the case.
Should I worry about this score, or just ignore it?
I've had an Equifax account (£15/month!) for some time now because I wanted to monitor my credit score after a period of hardship.
Recently my score has dropped significantly with no explanation from them.
I have asked why this has happened; originally they couldn't explain it but said that individual credit agencies wouldn't use their score anyway, just the file details.
However it dropped again a week or so ago and this time they won't even respond!
In April last year my score was 394 - now it's 181. Nothing has changed in between except a credit check from EE.
The last time I spoke to them it was a call center in India, so I'm not confident I will get any response.
I was told by them that having an account could help my score improve; this doesn't seem to be the case.
Should I worry about this score, or just ignore it?
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Comments
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Ignore it. And cancel your membership, you're wasting £15 a month."Facism arrives as your friend. It will restore your honour, make you feel proud, protect your house, give you a job, clean up the neighbourhood, remind you of how great you once were, clear out the venal and the corrupt, remove anything you feel is unlike you... [it] doesn't walk in saying, "our programme means militias, mass imprisonments, transportations, war and persecution."0
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Amazing - I just opened a Noddle account - they give me a score of 610 with a rating of 4/5.
I'll be cancelling my Equifax account tomorrow.0 -
My Noddle score is 615 and 3/5. See how silly it is now?
£180 a year is a ridiculous amount of money to spend on a number, so it's good that you've seen the light.0 -
They told you having an account with them would improve your score?The trouble with the world is that the stupid are cocksure and the intelligent are full of doubt.Bertrand Russell0
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gunsandbanjos wrote: »They told you having an account with them would improve your score?
I think their actual words were "'could' improve your score"0 -
When you come to borrow some money or apply for a credit card just make sure you apply to Noddle and not Equifax...Optimists see a glass half full
Pessimists see a glass half empty
Engineers just see a glass twice the size it needed to be
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I think their actual words were "'could' improve your score"
I've heard that placing a bowl of Moroccan houmous in the middle of the living room and running around it wearing your underpants inside out whilst singing "my old man's a dustman" 'could' improve your score too.;)Optimists see a glass half full
Pessimists see a glass half empty
Engineers just see a glass twice the size it needed to be0 -
You can still access your equifax score if you really must by signing up to the free ClearScore. It's fed by Equifax without that £15 fee. Updated once a month and has some good info.0
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:rotfl::rotfl::rotfl:
This made me laugh :-)0
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