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Credit Score held back by Affordability Score
bigmaz
Posts: 1,251 Forumite
Hi guys
I nearly have a "Good" Credit score as below:
As you can see, I am borderline between fair and good. But affordability score is the lowest it can be. I have plenty of disposable income.... Whats happening here? :P
I nearly have a "Good" Credit score as below:
As you can see, I am borderline between fair and good. But affordability score is the lowest it can be. I have plenty of disposable income.... Whats happening here? :P
0
Comments
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What's happening is you're being showing a couple of ratings that don't have any real meaning, and are not seen or used by lenders.
Just check that the data is correct on your files.0 -
Wow, thank you for your quick reply
I thought this was the one thing that they WOULD look at, haha. Ah well, thats good to know. I am trying to get my score up, slowly but surely, but this is the only thing that I can see is holding it back. I have a Clear Score account, and all the info on that seems to all be ok.0 -
The basic 'problem' - or perhaps 'issue' is a better word - is that Experian don't yet have exhaustive details of our income and expenditure, but you can bet your bottom dollar that they're working on that one, trying to identify various data sets that they can harvest (without our permission, of course).0
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Hi,
It's credit history that matters, credit scores are made up of assumptions made about you, then generated into numbers by the credit reference agency's.
No one else ever sees this score but you.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 -
Are you close to the credit limits on your credit cards?0
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Westminster wrote: »Are you close to the credit limits on your credit cards?
Nope.... Not at all0 -
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