MSE Credit Club Report Missed My CCJ

freewheelinfranklin

Hey all,

I signed up to the MSE Credit Club and have to say it's an excellent service. However, it seems to have missed my CCJ.

I previously requested all three credit reports using the guides on MSE and all three have my 5 year old CCJ on there. It came about due to a dispute I had with a lender .. but that's a whole 'nother story!

Anyway, my Experian score returned via the Credit Club tool is amazing. Almost as high as it can be. Then when I look at the detail it says I have no CCJ's on my account!

What's going on here?

I'm using the tool to try and select a balance transfer card to minimise my credit card interest but I'm not sure I can trust my score. Don't want to apply for a card and get rejected, damaging my credit report!

Thanks for reading

Kim_13

Has your CCJ reached 6 years old in the interim between getting your other reports and signing up for MSE Credit Club? The CCJ will be removed from your file once it is 6 years old.

Ben8282

Don't trust the score.
Trust the detail.
Use an eligibility checker and see what sort of results you get.

[Deleted User]

freewheelinfranklin wrote: »

I'm not sure I can trust my score.

You absolutely can't. Only go by the information on your file.

freewheelinfranklin

Thanks all. Excellent responses, as always.