Help, Little confused!

iabm

Hey all,

I've had an account with Noddle and it's always been useful but it shows my credit score as 1/5 and a number of 513, I've just got a free account with Experian Credit Matcher and that says it's 602 out of 309.

Anyone else had this kind of problem? Which should I believe?

Also, does anyone have any ideas how I can improve it?

All my credit cards are paid off (I only had one that I defaulted on) and all other debts have been paid off. My Noddle report shows my current account and that's it as I have nothing outstanding.

Cheers,
B

[Deleted User]

Your scores are purely fictional and bear no resemblance to anything.

Ignore them both in equal measure. although I would ignore 602 out of 309 even more, as it doesn't even follow any known laws of mathematics.

Build a good history by using a credit card regularly and clearing in full each month.

iabm

Thanks!

I've been told that but I've been told I can't or won't get a credit card after I defaulted on my last one, all be it, I paid it off in gull in the end!

B

Deleted_User wrote: »

Your scores are purely fictional and bear no resemblance to anything.

Ignore them both in equal measure. although I would ignore 602 out of 309 even more, as it doesn't even follow any known laws of mathematics.

Build a good history by using a credit card regularly and clearing in full each month.

[Deleted User]

Try one of the sub prime guys. aqua or Vanquis, for instance.

DCFC79

There's also clearscore you could check.

iabm

Thanks,

Just signed up and that says something different too!

Nightmare, You'd think something like this would be uniformed and consistent!

B

DCFC79 wrote: »

There's also clearscore you could check.

DCFC79

iabm wrote: »

Thanks,

Just signed up and that says something different too!

Nightmare, You'd think something like this would be uniformed and consistent!

B

Yes you would have thought so.

As you may have found out not all lenders will report to all 3 agencies, some report to 1, 2 or all 3.