Low credit score as my bank only reports to Experian

Criostoir

Hi,

My main bank account only shares my financial information with Experian, which seems to be their prerogative. However, because of this Equifax and Call Credit (the other main credit report agencies) have a much lower score for my credit history, as they have no information about repaid loans, direct debits etc.

Is there any way I can sort this situation out and improve my score with Equifax and Call Credit?

Cheers,
Chris

glentoran99

you don't have a credit score, you have a made up number

[Deleted User]

Ignore the scores. They mean less than nothing, and even that's optimistic.

Consider getting a credit card and using it responsibly to build a credit history. Many lenders will report to more than one CRA.

Criostoir

If the scores mean nothing then what do lenders base their judgement on?

[Deleted User]

The data in your credit files.