Clearscore

formidible

What are people's experience of the new free credit check Clearscore? I have found them to be excellent but the thing is I have gotten exactly the same score each month for six months. They are supposed to check monthly with Equifax. My Clearscore score is also much better than my one with Noddle. So who do I believe? I know for a fact that Noddle average score for my local area are way too high so I don't really trust them as much.

Also I am finding that Clearscore are giving the updated report a day later each month. Anyone else getting this?

TadleyBaggie

formidible wrote: »

So who do I believe?

Simple, none of them. They are are all made up meaningless numbers that nobody else even sees.

engineer_amy

Both my Noddle and Clear score reports are arriving later each month
They used to be ready around 2-5th of the month, now its closer to the 20th.


But TadleyBaggie is right, ignore the numbers, as long as the information on the reports is correct then you don't need to worry about scores. A lender could decide that they aren't going to lend to anyone wearing brown shoes in the month of july, and it wouldn't matter how high your "score" is, you wouldn't meet their criteria.

amfan

I don't really pay attention to my score on any of them, as it isn't relevant to anything. I use the services to make sure there is nothing on my report that shouldn't be. In that sense I've found Clearscore to be reporting as I would expect them to.

d70cw6

check the information they have on you is correct.
ignore the marketing junk numbers.

HappyMJ

formidible wrote: »

What are people's experience of the new free credit check Clearscore? I have found them to be excellent but the thing is I have gotten exactly the same score each month for six months. They are supposed to check monthly with Equifax. My Clearscore score is also much better than my one with Noddle. So who do I believe? I know for a fact that Noddle average score for my local area are way too high so I don't really trust them as much.

Also I am finding that Clearscore are giving the updated report a day later each month. Anyone else getting this?

I've been stuck on 544 for months as well. No idea why.

littlechoo2

I regularly check checkmyfile, noodle, and clearscore. Id say clearscore is the easiest and quickest to use, and my score there is somewhat in the middle of the other two. My score with clearscore is slowly but steadily increasing.

servman1

Great!

glentoran99

formidible wrote: »

What are people's experience of the new free credit check Clearscore? I have found them to be excellent but the thing is I have gotten exactly the same score each month for six months. They are supposed to check monthly with Equifax. My Clearscore score is also much better than my one with Noddle. So who do I believe? I know for a fact that Noddle average score for my local area are way too high so I don't really trust them as much.

Also I am finding that Clearscore are giving the updated report a day later each month. Anyone else getting this?

it depends when you log in

~Beanie~

Clearscore also reports different data than Noddle. I have accounts on Clearscore that are not reported on Noddle and vice versa.

boo_star

~Beanie~ wrote: »

Clearscore also reports different data than Noddle. I have accounts on Clearscore that are not reported on Noddle and vice versa.

That's because Clearscore uses Equifax and Noddle uses Callcredit.

Most lenders only report to one or two CRAs which may be both Experian and Callcredit, one of them, or neither (they use Experian.)