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Credit reference agencies
Comments
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GibbsRule_No3 wrote: »If they mean nothing can someone tell me the answer to what happened to me yesterday?
What happened was they checked the data on your credit files and declined you on the basis of what they saw, matched against their internal criteria.
Nothing to do with any fictional score.0 -
Deleted_User wrote: »What happened was they checked the data on your credit files and declined you on the basis of what they saw, matched against their internal criteria.
Nothing to do with any fictional score.
So where do they get the info from, is it not Experian, if not why did he tell me to check them and see why I was declined by the computer?Paddle No 21 :wave:0 -
They will use one or more of the three CRAs - Experian, Equifax and Call Credit.
They advise you to check your files to see if there is information on there you feel is not correct, and that you could rectify.0 -
I was with Equifax and paying £7/month for nearly three years that's a lot of money for some figures on a screen. I now use noddle (free) and since I entered into DMP I know my credit is up the swanny as Equifax keep emailing me to say (they aren't getting me back that easily lol) but I don't care as its just a number and as long as I can afford food, petrol and a roof over my head I don't care
Love my DMP left to pay £0/ £10162.51 :beer:
Est DFD 11/2018
Actual DFD 09/2017
£2 savers club: number 88 £14 so far!
Wombling free number 41 £6 so far!!
Emergency fund £50/£10000 -
GibbsRule_No3 wrote: »So where do they get the info from, is it not Experian, if not why did he tell me to check them and see why I was declined by the computer?
They base there lending decisions on what is in your credit file, not what your credit score is.
Two very different things.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0
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